Waypoint Bank


747 Meridian
Cozad, NE 69130
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.65% →
1-Year CD 0.30% 0.70% →
2-Year CD 0.45% 0.75% →
5-Year CD 0.75% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Waypoint Bank is an FDIC insured institution located in Cozad, NE. It was founded in 1883 and has approximately $0.33 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 5394
Date Established 1883
Assets $ 325.38 million
Loans $ 206.30 million
Deposits $ 271.49 million
Capital $ 37.97 million

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 - June 16, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 16, 2021

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
New American Funding
NMLS ID: 6606
2.855% 2.750%
0.75 points
$3,419 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Waypoint Bank
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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:
San Diego,California

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
8.34% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2020, Waypoint Bank had $1,573,000 in non-current loans and $1,987,000 in owned real estate. To cover these potential losses it had $37,968,000 in equity and $4,715,000 in loans loss reserves. That gives it a Texas Ratio of 8.34%.

Return on Equity
Waypoint Bank U.S. Bank Average
13.73% 9.24%

Waypoint Bank has a Return on Equity of 13.73% versus the BestCashCow average of 9.24%. 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.

Waypoint Bank U.S. Bank Average
11.67% 11.96%

Waypoint Bank has a Capitalization of 11.67% versus the BestCashCow average of 11.96. 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 December 31, 2020, Waypoint Bank had assets of $325,380,000, loans of $206,299,000, and deposits of $271,489,000. 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

December 31, 2020
Cash & Balances due from depository institutions $ 27.75 million
Interest-bearing balances $ 20.78 million
Total securities $ 69.84 million
Federal funds sold and reverse repurchase $ 3.82 million
Net loans and leases $ 206.30 million
Loan loss allowance $ 4.72 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.99 million
Goodwill and other intangibles $ 2.71 million
All other assets $ 12.00 million
     Total Assets $ 287.41 million
Total deposits $ 271.49 million
      Interest-bearing deposits $ 200.40 million
      Deposits held in domestic offices $ 271.49 million
      % insured (estimated) 73.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 14.89 million
Subordinated debt N.A.
All other liabilities $ 1.03 million
      Total Liabilities $ 287.41 million
      Shareholders’ Equity $ 37.97 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 12.32 million
Total Interest Expense $ 1.53 million
Net interest income $ 10.79 million
Provision for loan and lease losses $ 0.18 million
Total non interest income $ 1.03 million
Total non interest expense $ 6.49 million
Pre-tax Net Operating Income $ 5.15 million

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.46
Credit Card Loans 0.00
Consumer Auto Loans 1.42
Small Business Loans 13.93
Construction and Development Loans 4.79
Commercial Real Estate 37.82
Commercial and Industrial Loans 9.97
Farm Loans 22.75

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?


Where are Waypoint Bank locations?

See branch locations nearby.

Is Waypoint Bank open on Saturdays?

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Are Waypoint Bank ATMs Open 24/7?

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Can Waypoint Bank customers use other ATMs?

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Will Waypoint Bank notarize my document?

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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?


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?

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Does Waypoint Bank cash savings bonds?

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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?

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