Waypoint Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.34 percentage points in Q2 2026, from 84.07% to 86.41%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Waypoint Bank is 28th of 138 on return on assets, 1.88% as of Q2 2026. Waypoint Bank reported 1.88% on return on assets for Q2 2026, 0.62 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 14.12% |
| Tier 1 leverage ratio | 10.87% |
| Equity capital to assets | 11.31% |
| Tangible equity to tangible assets | 10.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.29% |
| Non-performing assets ratio | 1.64% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.60% |
| Allowance for credit losses to loans | 2.37% |
| Reserve coverage of non-performing loans | 103.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.88% |
| Return on equity | 17.26% |
| Net interest margin | 4.14% |
| Efficiency ratio | 53.63% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.41% |
| Core deposits to total deposits | 91.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.91% |
| Securities to assets | 20.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.11% | 13.11% | 14.37% | 10.63% | 1.31% |
| Q4 2023 | 13.30% | 13.30% | 14.56% | 10.86% | 1.53% |
| Q1 2024 | 12.93% | 12.93% | 14.19% | 10.89% | 1.08% |
| Q2 2024 | 13.15% | 13.15% | 14.41% | 11.01% | 1.14% |
| Q3 2024 | 13.47% | 13.47% | 14.73% | 11.15% | 1.26% |
| Q4 2024 | 13.78% | 13.78% | 15.04% | 11.21% | 1.27% |
| Q1 2025 | 13.32% | 13.32% | 14.58% | 11.51% | 1.49% |
| Q2 2025 | 13.35% | 13.35% | 14.61% | 11.58% | 1.70% |
| Q3 2025 | 13.32% | 13.32% | 14.58% | 11.50% | 1.64% |
| Q4 2025 | 12.16% | 12.16% | 13.41% | 10.58% | 1.64% |
| Q1 2026 | 12.32% | 12.32% | 13.58% | 10.47% | 1.67% |
| Q2 2026 | 12.86% | 12.86% | 14.12% | 10.87% | 1.88% |
Waypoint Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waypoint Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Waypoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)