Bank routing number ยท Cozad, Nebraska
Waypoint Bank Routing Number (ABA): 104902363
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The Waypoint Bank routing number is 104902363. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Waypoint Bank at a glance
Its CET1 capital ratio was 12.86% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $391.5M
- CET1 ratio, Q2 2026
- 12.86%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 8 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1883
Full financial profile · Is Waypoint Bank safe? · Waypoint Bank call report · Branch locations
Waypoint Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 104902363 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Waypoint Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 0236, identify the institution within that district. The last digit, 3, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Waypoint Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Waypoint Bank checks or in its online banking. Ask the bank for wire instructions (www.waypointbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Waypoint Bank
Waypoint Bank is headquartered in Cozad, Nebraska and was established in 1883. It is in the LEXINGTON, NE metro area. It reported $391.5M in total assets and $324.6M in deposits for Q2 2026, the 50th largest of the 138 banks headquartered in Nebraska. It reports 8 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. One other bank or credit union headquartered in Cozad has a routing number listed here.
What the digits in 104902363 mean
The first four digits, 1049, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 0236, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 13 + 7 x 6 + 9 = 90, a multiple of 10, so 104902363 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Waypoint Bank routing number?
The Waypoint Bank routing number is 104902363. It is the primary ABA routing transit number registered to Waypoint Bank, headquartered in Cozad, NE. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Waypoint Bank wire routing number?
This page lists the primary routing number registered to Waypoint Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Waypoint Bank before sending a wire.
Is ABA number 104902363 the routing number for Waypoint Bank?
Yes. It is the primary routing number registered to Waypoint Bank.
Which bank uses routing number 104902363?
It belongs to Waypoint Bank, headquartered in Cozad, NE. It is the bank's primary ABA routing number (FDIC certificate 5394).
Routing numbers of similar-size institutions in Nebraska
- Bank, Cozad, NE
- Homestead Bank: 104902376
- Bank, Petersburg, NE
- Great Plains State Bank: 104112771
- Bank, Omaha, NE
- First Westroads Bank, Inc.: 104001497
- Bank, Lincoln, NE
- Lincoln Federal Savings Bank of Nebraska: 304971990
- Bank, North Platte, NE
- Sandhills State Bank: 104105283
- Bank, Harrisburg, NE
- Banner Capital Bank: 104101258
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- First Nebraska Bank: 104908956
- Bank, Gothenburg, NE
- Flatwater Bank: 104901607
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Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)