Bank call report · Cozad, NE
Waypoint Bank Call Report
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Waypoint Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 337 reported line items, schedule by schedule (725 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 244158 |
| FDIC certificate number | 5394 |
| Total assets | $391.5M |
Official Q2 2026 call report PDF (FFIEC) →
Waypoint Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Waypoint Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $391.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $391.5M |
| Total Liabilities and Minority Interest | RCON2948 | $347.2M |
| Total Deposits | RCON2200 | $324.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $280.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $273.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $228.8M |
| Deposits: Noninterest-bearing | RCON6631 | $95.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $81.6M |
| Total Equity Capital | RCON3210 | $44.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $44.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $29.4M |
| Other Borrowed Money | RCON3190 | $20.6M |
| Surplus | RCON3839 | $18.2M |
| Other Assets | RCON2160 | $16.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.6M |
| Interest-bearing Balances | RCON0071 | $5.6M |
| Intangible Assets | RCON2143 | $5.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.3M |
| Goodwill | RCON3163 | $4.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.4M |
| Other Liabilities, Total | RCON2930 | $2.1M |
| Federal Funds Sold | RCONB987 | $2.1M |
| Common Stock | RCON3230 | $400K |
Schedule RI: Income Statement (43 items)
About Schedule RI · Waypoint Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $10.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.3M |
| Net Interest Income | RIAD4074 | $7.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.0M |
| Total Noninterest Expense | RIAD4093 | $4.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.6M |
| Net Income (Loss) | RIAD4340 | $3.6M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.6M |
| Salaries and Employee Benefits | RIAD4135 | $3.0M |
| Total Interest Expense | RIAD4073 | $2.7M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.5M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $949K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $887K |
| Total Noninterest Income | RIAD4079 | $772K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $645K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $514K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $506K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $499K |
| Other Interest Expense | RIADGW44 | $427K |
| Other Noninterest Income | RIADB497 | $421K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $388K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $385K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $212K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $206K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $188K |
| Interest on Other Securities | RIAD4060 | $162K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $140K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $131K |
| Provision for Loan and Lease Losses | RIAD4230 | $120K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $120K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $106K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $67K |
| Other Interest Income | RIAD4518 | $55K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $51K |
| Applicable Income Taxes | RIAD4302 | $35K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $16K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $9K |
| Noninterest income: Income from insurance activities | RIADHT74 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 63 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Waypoint Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $85.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $65.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $62.1M |
| Pledged Securities | RCON0416 | $41.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $33.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $29.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $26.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $18.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $18.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $10.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $10.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $4.3M |
| Amortized Cost of Structured Notes | RCON8782 | $3.8M |
| Fair Value of Structured Notes | RCON8783 | $3.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $501K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $496K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $423K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $421K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $258K |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $250K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $250K |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $248K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $237K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $165K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · Waypoint Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $280.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $122.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $83.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $77.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $49.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $46.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $44.1M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $41.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $39.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $34.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $34.2M |
| Commercial and Industrial Loans | RCON1766 | $24.5M |
| Pledged Loans and Leases | RCONG378 | $20.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $17.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $17.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $11.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $8.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $4.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $4.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $2.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $2.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $1.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $1.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $994K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $905K |
| Itemize Loans Secured by Farmland That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK166 | $736K |
| Unearned Income on Loans | RCON2123 | $128K |
| Itemize Loans to Finance Agricultural Production and Other Loans to Farmers That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK168 | $8K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $18.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $8.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $8.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $6.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $5.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $5.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $4.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 251 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 250 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 67 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 51 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 48 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 34 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 33 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 31 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 31 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 28 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 25 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Waypoint Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $187.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $179.5M |
| Total Transaction Accounts | RCON2215 | $136.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $109.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $103.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $74.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $51.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $33.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $31.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $31.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $29.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $28.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $27.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $23.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $20.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $20.3M |
| Total reciprocal deposits | RCONJH83 | $10.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $7.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $7.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $4.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $4.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.1M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $642K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $300K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $255K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $173K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $8.2M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $3.6M |
| Accrued Interest Receivable | RCONB556 | $2.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.1M |
| Other Assets | RCON2168 | $964K |
| Prepaid Expenses | RCON2166 | $860K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $104K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.2M |
| Deferred Compensation Liabilities | RCONC011 | $677K |
| Operating lease liabilities | RCONLB56 | $526K |
| Other Expenses Accrued and Unpaid | RCON3646 | $512K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $350K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Waypoint Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $400.5M |
| Quarterly Average of Total Loans | RCON3360 | $280.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $187.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $90.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $83.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $65.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $56.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $42.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $27.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $24.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $22.3M |
| All Other Securities | RCONB560 | $18.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $18.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $7.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $6.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.2M |
| Mortgage-backed Securities | RCONB559 | $432K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Waypoint Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $39.2M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $14.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $7.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $105K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Waypoint Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Structured Advances | RCONF059 | $20.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $10.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $5.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.6M |
| All other intangible assets | RCONJF76 | $945K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Waypoint Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.6M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $942K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $500K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $344K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $50K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $22K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $20K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $6K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Waypoint Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $397.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $324.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $179.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $141.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $43.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $520K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,685 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 205 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 158 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Waypoint Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Waypoint Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $400.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $395.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $334.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $47.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $44.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $43.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $43.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $43.0M |
| Retained Earnings | RCOAKW00 | $29.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $18.6M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.2M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $4.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $945K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1412 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1286 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1286 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1087 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0612 |
Schedule RC-R, Part II: Risk-Weighted Assets (52 items)
About Schedule RC-R, Part II · Waypoint Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $336.7M |
| Total Risk-weighted Assets | RCONG641 | $334.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $291.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $291.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $272.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $258.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $255.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $81.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $80.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $80.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $65.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $37.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $36.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $36.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $26.7M |
| Total All Other Assets | RCOND981 | $24.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $20.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $18.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $18.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $18.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $18.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $17.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $16.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $14.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $9.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $9.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.4M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $5.1M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $4.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$3.8M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $3.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $3.6M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $3.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $3.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $2.5M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $2.1M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $2.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.6M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.6M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.6M |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $1.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $1.1M |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $1.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $501K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $501K |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $501K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $500K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $105K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $105K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $105K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $6K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $44.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $42.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $42.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.3M |
| Other Comprehensive Income | RIADB511 | $273K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Waypoint Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $5K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $5K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $2K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Waypoint Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $5K |
Waypoint Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Waypoint Bank call report?
The Waypoint Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Waypoint Bank file?
Waypoint Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Waypoint Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Waypoint Bank has Federal Reserve RSSD ID 244158 and FDIC certificate number 5394. Either one finds its filings on the FFIEC Central Data Repository.
How often does Waypoint Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Waypoint Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)