Waypoint Bank
Cozad, NE
IDRSSD: 244158
Total Assets
$384.73M
Latest filing
Total Deposits
$294.11M
Latest filing
Net Interest Margin
3.90%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Waypoint Bank
747 Meridian Ave
Cozad, NE 69130
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1883FDIC Certificate 3641
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Waypoint Bank (Main) | 747 Meridian Ave | Cozad, NE |
| CLAY CENTER BRANCH | 116 S Alexander Ave | Clay Center, NE |
| CAMBRIDGE BR | 707 Patterson St | Cambridge, NE |
| MOUNTAIN VIEW BRANCH | 24 S Weber St Ste 151 | Colorado Springs, CO |
| FARMERS STATE BANK/BRANCH | 100 N Main St | Eustis, NE |
| FIRST STATE BANK BRANCH | 348 Broadway | Imperial, NE |
| FORT COLLINGS BRANCH | 2900 S College Ave | Fort Collins, CO |
| SUTTON BRANCH | 105 S Saunders Ave | Sutton, NE |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1883 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 69130 |
| State and County Number | 31047 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Lexington, NE |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/02/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.waypointbank.com |
| Data Updated | 11/14/2025 |
| CERT | 5394 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $384.73M |
| Total Deposits | $294.11M |
| Total Liabilities | $343.31M |
| Total Equity Capital | $41.42M |
| Net Income | $1.56M |
| Net Loans and Leases | $262.00M |
| Assets Per Employee ($Millions) | $7.12M |
| Bank Premises and Fixed Assets | $1.89M |
| Cash and Balances due from Depository Institutions | $9.64M |
| Deposits Held in Domestic Offices | $294.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 15.39% |
| Net Interest Margin | 3.9% |
| Efficiency Ratio | 58.55% |
| Tier 1 Risk-Based Capital Ratio | 13.323% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.766% |
| Earning Assets to total Assets | 92.64% |
Income and Expense
| Total Interest Income | $5.07M |
| Total Noninterest Income | $353.00k |
| Total Interest Expense | $1.60M |
| Total Noninterest Expense | $2.23M |
| Net Interest Income | $3.46M |
| Pre-tax Net Operating Income | $1.58M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $46.91M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.28M |
| Total Liabilities and Capital | $384.73M |
Securities
| Securities | $90.89M |
| Available-for-sale debt securities | $90.89M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Waypoint Bank?
$384.73M as of the latest filing.
How much are Waypoint Bank's total deposits?
$294.11M in total deposits.
Where is Waypoint Bank located?
Cozad, NE.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1883.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$262.00M (latest filing).
What is the total interest income (latest filing)?
$5.07M.