Waypoint Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waypoint Bank of Cozad, NE against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.88% | 1.25% | +0.63% | 81st top |
| ROAE | 17.26% | 13.17% | +4.09% | 76th top |
| Net Interest Margin | 4.14% | 3.95% | +0.19% | 60th above |
| Efficiency Ratio | 53.63% | 61.50% | -7.87% | 72nd above |
| PPNR / Avg Assets | 1.95% | — | — | 70th above |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 46th below |
| Cost of Funds | 1.40% | 1.87% | -0.47% | 75th top |
| Net Interest Spread | 3.46% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.29% | 0.93% | +1.36% | 11th bottom |
| NPA / Total Assets | 1.64% | — | — | 11th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 2.37% | — | — | 96th top |
| ACL / NPLs (Coverage) | 103.48% | — | — | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.60% | 6.06% | -2.46% | 43rd below |
| Provision / NCO | 6000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.86% | 17.18% | -4.32% | 25th below |
| Tier 1 Ratio | 12.86% | 17.21% | -4.35% | 25th below |
| Total Capital Ratio | 14.12% | — | — | 27th below |
| Leverage Ratio | 10.87% | 11.75% | -0.88% | 48th below |
| Equity / Assets | 11.31% | 10.98% | +0.33% | 63rd above |
| TCE / Tangible Assets | 10.15% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.41% | 80.44% | +5.97% | 37th below |
| Core Deposit Ratio | 91.31% | 86.95% | +4.36% | 63rd above |
| Wholesale Funding Ratio | 5.26% | — | — | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.94% | — | — | 38th below |
| Loan Growth (Y/Y) | 5.76% | — | — | 52nd above |
| Deposit Growth (Y/Y) | 10.77% | — | — | 85th top |
See Waypoint Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waypoint Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Waypoint Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Waypoint Bank peer analysis.