Waypoint Bank (FDIC certificate #5394) is based in Cozad, Nebraska. Its Q2 2026 call report shows $391.5M in total assets and $324.6M in deposits and 8 offices across 2 states.
Waypoint Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 66th. Problem-loan coverage contributes the most (94/100, 3.2%); capital cushion contributes the least (59/100, 10.87%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (73 → 75), mostly because the capital cushion component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.01% |
| Q3 2024 | 11.15% |
| Q4 2024 | 11.21% |
| Q1 2025 | 11.51% |
| Q2 2025 | 11.58% |
| Q3 2025 | 11.50% |
| Q4 2025 | 10.58% |
| Q1 2026 | 10.47% |
| Q2 2026 | 10.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.59% |
| Q3 2025 | 1.61% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $391.5M | 10.87% | 0.59% | 1.77% | 84.4% |
| Q1 2026 | 73 | $405.2M | 10.47% | 0.61% | 1.66% | 82.1% |
| Q4 2025 | 72 | $411.3M | 10.58% | 0.63% | 1.61% | 81.1% |
| Q3 2025 | 73 | $384.7M | 11.50% | 0.74% | 1.61% | 89.1% |
| Q2 2025 | 73 | $380.3M | 11.58% | 0.78% | 1.59% | 88.3% |
| Q1 2025 | 72 | $373.1M | 11.51% | 0.81% | 1.48% | 84.1% |
| Q4 2024 | 69 | $367.4M | 11.21% | 0.87% | 1.19% | 79.6% |
| Q3 2024 | 68 | $379.3M | 11.15% | 0.88% | 1.16% | 82.6% |
| Q2 2024 | 65 | $377.2M | 11.01% | 1.09% | 1.11% | 86.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Great Plains State BankBank Petersburg, NE | 45 out of 100, Below average | $392.0M | 10.8% | 4.14% | vs |
| First Westroads Bank, Inc.Bank Omaha, NE | 77 out of 100, Strong | $394.9M | 11.4% | 0.10% | vs |
| Lincoln FSB of NebraskaBank Lincoln, NE | 69 out of 100, Moderate | $387.3M | 11.7% | 0.46% | vs |
| Sandhills State BankBank North Platte, NE | 69 out of 100, Moderate | $382.8M | 8.4% | 0.16% | vs |
| Banner Capital BankBank Harrisburg, NE | 69 out of 100, Moderate | $379.8M | 11.0% | 1.31% | vs |
| First Nebraska BankBank Valley, NE | 75 out of 100, Strong | $371.4M | 10.3% | 0.23% | vs |
Deposit insurance
Is my money safe at Waypoint Bank?
Yes. Waypoint Bank is an FDIC-insured institution (FDIC certificate #5394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.8% of deposits ($90.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.12% (benchmark: 10%).
8 locations
Branches
Waypoint Bank lists 8 offices in 8 cities across 2 states. Most locations:
- Cambridge, NE (1)
- Clay Center, NE (1)
- Colorado Springs, CO (1)
- Cozad, NE (1)
- Eustis, NE (1)
- Fort Collins, CO (1)
- Imperial, NE (1)
- Sutton, NE (1)
Identity & history
Profile
- Legal name
- Waypoint Bank
- Former names
- First National Bank in Cozad; First Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 5394
- RSSD ID
- 244158
- Primary regulator
- FDIC
- Holding company
- Midwest Banco Corp
- Established
- January 1, 1883
- Headquarters
- 747 Meridian Ave, Cozad, NE 69130
- Website
- www.waypointbank.com
- Employees
- 63
Quick answers
Waypoint Bank: common questions
Is Waypoint Bank FDIC insured?
Yes. Waypoint Bank is an FDIC-insured institution (FDIC certificate #5394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Waypoint Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Waypoint Bank ever failed?
There is no failure record for FDIC certificate #5394 in the FDIC failed bank list.
How many branches does Waypoint Bank have?
8 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Cozad
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| Eddyville CooperativeCredit union Eddyville, NE | 90 out of 100, Very strong | $2.2M | 18.3% | 0.00% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |