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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cozad, NE · FDIC certificate #5394
WAYPOINT BANK is an FDIC-insured institution based in Cozad, NE (FDIC certificate #5394). In its Q3 2026 Call Report it reported total assets of $383M, total deposits of $314M and net loans of $264M. Its primary federal regulator is FDIC.
Plain-language readout
WAYPOINT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $405M in Q1 2026 and were lowest at $383M in Q3 2026.
Total deposits were highest at $333M in Q1 2026 and lowest at $314M in Q3 2026.
Over the whole period total assets fell 5.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $383M | $314M | $264M | 1.80% | 16.51% | 4.21% |
| Q2 2026 | $391M | $325M | $274M | 1.77% | 16.49% | 4.12% |
| Q1 2026 | $405M | $333M | $274M | 1.66% | 15.80% | 4.00% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.9M | $10.8M | -$826K | -7.7% |
| Federal funds sold | $2.1M | $16.8M | -$14.7M | -87.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $81.6M | $79.5M | +$2.0M | +2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $273.8M | $273.7M | +$119K | +0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.4M | -$50K | -2.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.1M | $5.1M | -$26K | -0.5% |
| All other assets | $16.6M | $16.9M | -$292K | -1.7% |
| Total assets | $391.5M | $405.2M | -$13.7M | -3.4% |
| Liabilities | ||||
| Total deposits | $324.6M | $333.4M | -$8.8M | -2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $20.6M | $27.0M | -$6.4M | -23.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $2.0M | +$38K | +1.9% |
| Total liabilities | $347.2M | $362.4M | -$15.2M | -4.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $18.2M | $18.2M | $0K | 0.0% |
| Retained earnings | $29.4M | $28.4M | +$1.0M | +3.6% |
| Accumulated other comprehensive income | -$3.8M | -$4.2M | +$425K | +10.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $44.3M | $42.8M | +$1.5M | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $1.7M | -$60K | -3.5% |
| Adjusted nonperforming assets | $1.6M | $1.7M | -$60K | -3.5% |
| Tangible equity plus allowance | $45.9M | $44.3M | +$1.5M | +3.5% |
| Texas ratio (gross) | 3.60% | 3.86% | -0.26 pts | See points |
| Texas ratio (adjusted) | 3.60% | 3.86% | -0.26 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.00% | 14.65% | -0.65 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.86% | 12.32% | +0.54 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.86% | 12.32% | +0.54 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.12% | 13.58% | +0.54 pts | See points |
| Tier 1 leverage (approximate) | 10.87% | 10.47% | +0.40 pts | See points |
| Construction and land loans to total capital | 90.54% | 85.52% | +5.02 pts | See points |
| Commercial real estate to total capital | 198.27% | 196.22% | +2.05 pts | See points |
| Dividend payout, year to date | 65.51% | 87.99% | -22.48 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.81% | -10.04% | +1.23 pts | See points |
| Liquidity | ||||
| Core deposits | $296.4M | $304.6M | -$8.3M | -2.7% |
| Non-core funding | $48.8M | $55.7M | -$7.0M | -12.5% |
| Loans to core deposits | 94.64% | 92.01% | +2.63 pts | See points |
| Loans to deposits | 86.41% | 84.07% | +2.34 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 50.78% | 48.06% | +2.71 pts | See points |
| Loans pledged, share of loans | 7.34% | 9.62% | -2.28 pts | See points |
| Volatile liabilities | $48.8M | $55.7M | -$7.0M | -12.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.7M | $1.8M | +$2.0M | +110.8% |
| Earnings before provision, single quarter | $2.0M | $1.8M | +$190K | +10.8% |
| Provision for credit losses, year to date | $120K | $60K | +$60K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.74% | 6.64% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.77% | 3.45% | +0.32 pts | See points |
| Total interest income to average assets | 5.22% | 5.04% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.96% | 0.92% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.84% | 0.84% | +0.00 pts | See points |
| Cost of time deposits | 3.46% | 3.57% | -0.11 pts | See points |
| Total interest expense to average assets | 1.32% | 1.32% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $383M | $314M | $264M | 1.80% | 16.51% | 4.21% |
| 2026-06-30 | $391M | $325M | $274M | 1.77% | 16.49% | 4.12% |
| 2026-03-31 | $405M | $333M | $274M | 1.66% | 15.80% | 4.00% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $203.2M | 0.22% | 76 | Continuing · -0.00 pp |
| CO | $89.8M | 0.05% | 98 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.