# WAYPOINT BANK
COZAD, NE · FDIC certificate 5394 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $391.5M | |
| Deposits | $324.6M | |
| Loans and leases | $280.5M | |
| Total equity | $44.3M | |
| Loans / deposits | 84.37% (p57 of band) | 82.04% |
| Liquid assets / assets | 23.90% (p47 of band) | |
| Uninsured deposits / deposits | 27.82% (p58 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.26% (p59 of band) | |
| FHLB advances / assets | 5.26% | |
| Tier 1 leverage | 10.87% (p52 of band) | 10.81% |
| Unrealized securities loss / equity | -8.56% (p48 of band) | -8.10% |
| AOCI / equity | 0.62% (p93 of band) | |
| ROA (annualized) | 1.77% (p79 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 55.30% (p31 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | 402.67% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 96.53% (p85 of band) | |
| Auto loans | $4.0M (1.42% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 63 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 0 |  | capital falling, reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | deposits shrinking |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 | capital falling | uninsured deposits leaving |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, noncurrent p90 |  |
| 2020-12 | 1 |  | noncurrent p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | construction >100% equity, uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | construction >100% equity |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | construction >100% equity |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-08 [Waypoint Bank-Sutton names banking veteran Merlyn Haight as Branch Manager - The Clay County News](https://news.google.com/rss/articles/CBMivgFBVV95cUxOdVR6bHhvN21lZTdPMlRwdkExVzlEaEFaYW0wZEhUbXY0SzB0eDRkdS1qWXotc05wVTVuZ2RJTElyZm5vcFB2MFlLQnBzRlp0QkxEWnNGMEpILWEyeXlncnFnelNySHJVUzZTWV9sTHVLMnZCTmFBUjdyYXdyc3F1eUFsUkx4bWFlZzV3OV9WNWFiWUtOUmhETzFwTW5LbEJWSi1leXNmV1J6YkpWMGtFZUU0ekFkdmFCMHk5dl9n?oc=5) · The Clay County News
- 2021-05-19 [Waypoint Bank’s history began over a century ago - Imperial Republican |](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNQ1NhU0l6R0VlYmFlMUVPbkFPNTZjY042MmRvMWJkRGxBdlJWZ0JySEpOSzJTNXdJV0JlTXRaaVd4UjlWRnBZdTRiR1laelBCSXV6cXdIVmFXWjlJUkxMczJQbGFjdHc1cmZQemk4b0U4cDhPTjFpak5ycTdGeXpuTllkS2JaM2dhUmg0UWVsYVhvWnJPMC01YUNuN1l5dE8zUHVjX1djRllfZjg?oc=5) · Imperial Republican |
- 2022-12-05 [Woman charged with burglarizing Cambridge bank ATM - KHGI](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOenJnTm95dHRaZkRxRTZEa1g1YUdiYXFyMWpIcXBuVnhuZzNfSFpUU3kwWTl0aEJYQzNSM25FMGZWdmJPMkxjZ3FHRFpONWhKY0lqNVhwU21yd1dLajcxZzAtZk9NSWJFRXpqNVFfRElsZFBpcmNiU1JEV2JPSk9mZFpGOWl3VjgwWkwwOHltY05vOE9qOUN2SjQ1RGRqVDJqd05tX19XLVRVcEdsQ1NLZG5RNmNQYk5kZDZqM2ZEalpuY00?oc=5) · KHGI
- 2017-10-12 [First Bank & Trust changes name to Waypoint Bank - Imperial Republican |](https://news.google.com/rss/articles/CBMilAFBVV95cUxNTG53bXk5Nm1YMm1DdXdxRmdJWEkyLUpiOWswSXBPRmdNTW55UGhhUnBWcW9LRTNuNFpTc2RiMFRCQm10NURVaGxEam9sa2dKd0VtMGgweEl3Z0swb3gzQk9sXzZYWDA1NkhjS01PbDlLQ0RoYWEyeTVXNV9JX1FaQXJTOXJDdGx2UC1neTdzdDdaeW9h?oc=5) · Imperial Republican |
- 2019-08-28 [Lunch with Mimi: As President of the New Centre1st Bank, Jack Infield Is Focused on Making a Difference for Local Customers - StateCollege.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxQQ1ZYX3QxdlhjTmFhNktpS3ZibmV2S0FMRXFiUzhBaG1lRkhNY09LdTdZWDRIZnNtczA1Q2tNZGFVMjdJUExXVHRsNV9vTE00SkFJVVBRS2xRdzUyTWY1OUVkWl9zMnMxQVpKZzVSZ3lvclllNFZUdXFSQWxwVEhHVnFETmxJR0JVekpDNGJoVmpXb2tVeFFxeHh5ajRYbjdxcW5IN3RLejNCYmhETUF2eDY3Zld3WHlHb0dBSGItXzRGamRRWklmekU2Z0I2cUl4V2JWeE9nbFZ6WHNDTHZBRWZ4dUNHQWw5VmZqVDRJblBBN0g0Y281ZTZYbE8wYW0z?oc=5) · StateCollege.com
- 2026-05-08 [KTIC 840 AM/98.3 FM/98.7 FM - Bankers Graduate from Leadership Program - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzTmxqNDRsZlV4ejM5XzV5NmpZVlI5aXhiNFUwVlJOX2gyTEpyeDVTemNseDFINkRET0VTMWZ4aWU1dVo0WDB2a0ItUkRaZWFvbGcydzQ3NlhlY005NDV5d3VUdTlzMU1mb0h5TUUtaDdsOVhBbkl6M090d2cxTFU?oc=5) · Rural Radio Network
- 2025-05-10 [Bailey J. Koch Obituary May 10, 2025 - Reynolds-Love Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE9mMzN6TVJiUUNjNXNCUGtMbHUwWWMzclFDOTA0M00tTUVmQnFXZlZfZ1VUNS1HTHQ1VUthcHJtUHNCNl9INlpub3hPQlY0LXFocldld2U4bGQtQXp2VnktRVFrTW5iUmZFNUpyYVNIUQ?oc=5) · Reynolds-Love Funeral Home
- 2024-11-07 [Big Give sets record - McCook Gazette](https://news.google.com/rss/articles/CBMickFVX3lxTE1VWkp0SDVuNldSdlgzV1p1ZW5HaXhKZ3pxekR3R1pGS2IxZGpTYjZyc2VodFNiN0J5Uk1kMnZDUzVpSkM5RkVpQm56VkJxenJNSnJ3Y0pqTjZmSHFwd3d3N1dhbjF6cUU4dFVOQ2Zqb0c0UQ?oc=5) · McCook Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5394 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "5394", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide