Waypoint Bank

747 Meridian
Cozad, NE 69130

Notable Rates APY Vs.Others
Savings 0.05% 2.30% →
1-Year CD 0.90% 2.25% →
2-Year CD 1.26% 2.65% →
5-Year CD 1.66% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Waypoint Bank is an FDIC insured institution located in Cozad, NE. It was founded in 1883 and has approximately $0.27 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 5394
Date Established 1883
Assets $0.27 billion
Loans $0.19 billion
Deposits $0.22 billion
Capital $0.04 billion
 

For a more detailed analysis of Waypoint Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $10,000 Learn MoreShow Less
Money Market
0.20% $10,001 $25,000 Learn MoreShow Less
Money Market
0.30% $25,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.45% $500 - Learn MoreShow Less
6 Mo CD
0.65% $500 - Learn MoreShow Less
12 Mo CD
0.90% $500 - Learn MoreShow Less
18 Mo CD
1.16% $500 - Learn MoreShow Less
24 Mo CD
1.26% $500 - Learn MoreShow Less
30 Mo CD
1.31% $500 - Learn MoreShow Less
36 Mo CD
1.41% $500 - Learn MoreShow Less
48 Mo CD
1.61% $500 - Learn MoreShow Less
60 Mo CD
1.66% $500 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
Var IRA
1.31% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Waypoint Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.626% 3.625% 0.00 $42 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to Waypoint Bank
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Branches

Waypoint Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Waypoint Bank Locations


Financial Details

Waypoint Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Waypoint Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Waypoint Bank U.S. Bank Average
2.93% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Waypoint Bank had $1,159,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $35,184,000 in equity and $4,355,000 in loans loss reserves. That gives it a Texas Ratio of 2.93%.

Return on Equity
Waypoint Bank U.S. Bank Average
12.76% 9.50%

Waypoint Bank has a Return on Equity of 12.76% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Waypoint Bank U.S. Bank Average
13.09% 12.76%

Waypoint Bank has a Capitalization of 13.09% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Waypoint Bank Balance Sheet Analysis

As of June 30, 2019, Waypoint Bank had assets of $268,843,000, loans of $187,310,000, and deposits of $220,687,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.19 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.23 billion
LIABILITIES
Total deposits $0.22 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.22 billion
      % insured (estimated) 79.92%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Waypoint Bank’s loan portfolio are Commercial Real Estate, Farm Loans, and Small Business Loans.

Compared to other banks in Nebraska, Waypoint Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.20
Multifamily
Mortgages
1.04
Credit Card Loans 0.00
Consumer Auto Loans 1.45
Small Business Loans 13.98
Construction and Development Loans 3.36
Commercial Real Estate 34.16
Commercial and Industrial Loans 12.61
Farm Loans 28.25

Frequently Asked Questions About Waypoint Bank

Branches and Savings

Is Waypoint Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5394.

Why does Waypoint Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Waypoint Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Waypoint Bank a commercial bank?

Yes

Where are Waypoint Bank locations?

See branch locations nearby.

Is Waypoint Bank open on Saturdays?

Is Waypoint Bank open on Sundays?

What time does Waypoint Bank open?

What time does Waypoint Bank close?

Are Waypoint Bank ATMs Open 24/7?

Do Waypoint Bank ATMs accept cash deposits?

Can Waypoint Bank customers use other ATMs?

Do Waypoint Bank branches have notaries?

Will Waypoint Bank notarize my document?

What address for Waypoint Bank should I put for incoming ACH transfers?

Will the Waypoint Bank branch print checks?

Do Waypoint Bank checks expire?

Does Waypoint Bank require US citizenship to open account?

Can Waypoint Bank close my account?

Does Waypoint Bank Report to credit bureaus?

Does Waypoint Bank Use Equifax?

What is Waypoint Bank's ACH Routing Number?

What is Waypoint Bank's SWIFT code?

Products

Does Waypoint Bank offer mortgages?

Compare mortgage rates here.

Does Waypoint Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Waypoint Bank offer personal loans?

Compare personal loan rates here.

Does Waypoint Bank offer student loans?

Will Waypoint Bank cash a check?

Will Waypoint Bank redeem a savings bond?

Does Waypoint Bank cash savings bonds?

Will Waypoint Bank cash money orders?

Can Waypoint Bank issue a money order?

Does Waypoint Bank do currency exchange?

Background on The Bank

Who owns Waypoint Bank?

How long has Waypoint Bank been around?

Can Waypoint Bank transfer to other banks?

Does Waypoint Bank have quick pay?

Does Waypoint Bank accept rolled coins?

Will Waypoint Bank accept loose change?

Where is Waypoint Bank headquarters?

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