Waypoint Bank

BankCozad, Nebraska
www.waypointbank.com

Total Assets

$411.3M

Total Deposits

$340.5M

Branches

8

Established

1883

TFS Health Grade

$
C+

77.5 / 100

Average financial health

How we grade

Waypoint Bank is a bank headquartered in Cozad, Nebraska, established in 1883. With $411.3M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (77.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.58%(8%)
Total Capital Ratio
13.41%(10%)
Non-Performing Loan Ratio
0.63%

Profitability

Return on Assets (ROA)
1.61%(1%)
Return on Equity (ROE)
15.53%(10%)
Net Interest Margin
3.85%
Efficiency Ratio
57.81%(60%)

Lending & Liquidity

Total Loans
$282.6M
Loan-to-Deposit Ratio
81.06%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+11.96%
Deposit Growth (YoY)
+14.41%
Net Income
$6.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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