B
Waypoint Bank
Cozad,  NE
Rating Date
August 2026
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 4.40
Capitalization Index 9.80
Liquidity Index 2.50
Profitability Index 6.90
Stability Index 9.00
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 2.94%
5-Year Asset Growth 5.28%
5-Year Charge-Offs to Average Loans -0.15%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.64%
Non-Performing Loans to Capital 8.12%
Non-Performing Loans to Loans 2.29%
Balance Sheet Waypoint Bank
Cozad, NE
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Total Assets 391.49M
Total Deposits 324.57M
Capital and Reserves Waypoint Bank
Cozad, NE
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Capital 44.27M
Leverage Ratio 10.87
Loan Loss Reserves to Loans 2.37%
Risk-Based Capital Ratio 14.12
Liquidity Waypoint Bank
Cozad, NE
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Hot Money Ratio 17.89%
Liquidity Ratio 15.02%
Profitability Waypoint Bank
Cozad, NE
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5-Year Return on Average Assets 2.47%
Net Income 3.57M
Net Interest Spread 4.06%
Operating Profit to Average Assets 1.79%
Overhead Efficiency Ratio 55.91%
Return on Assets 1.77%
Return on Equity 16.53%