B
Waypoint Bank
CozadNE
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Waypoint Bank
Cozad, NE
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Rating B
Asset Quality Index 6.20
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 6.70
Stability Index 8.00
Company Info Waypoint Bank
Cozad, NE
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FDIC Number 5394
Phone Number (308) 784-2515
Website www.waypointbank.com/
Asset Quality Waypoint Bank
Cozad, NE
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1-Year Asset Growth 1.44%
5-Year Asset Growth 6.88%
5-Year Charge-Offs to Average Loans -0.15%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.22%
Non-Performing Loans to Capital 3.96%
Non-Performing Loans to Loans 1.75%
Balance Sheet Waypoint Bank
Cozad, NE
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Total Assets 384.73M
Total Deposits 294.11M
Capital and Reserves Waypoint Bank
Cozad, NE
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Capital 41.42M
Leverage Ratio 11.50
Loan Loss Reserves to Loans 2.35%
Risk-Based Capital Ratio 14.58
Liquidity Waypoint Bank
Cozad, NE
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Hot Money Ratio 18.71%
Liquidity Ratio 17.97%
Profitability Waypoint Bank
Cozad, NE
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5-Year Return on Average Assets 1.56%
Net Income 4.53M
Net Interest Spread 3.66%
Operating Profit to Average Assets 1.63%
Overhead Efficiency Ratio 57.80%
Return on Assets 1.61%
Return on Equity 15.50%