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Waypoint Bank

Cozad, NE · Cert 5394 · Midwest Banco Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Waypoint Bank

Cozad, NE · Cert 5394 · Midwest Banco Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$391.5MAssets
$280.5MLoans
$324.6MDeposits
$44.3MEquity
Loan mix
88%RE $204.9M10%C&I $23.6M2%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $228.8M29%Noninterest $95.7MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.90%Q2 ’255.16%Q2 ’26+20%+13%

Non-interest income vs. expense

2.05%Q2 ’242.16%Q2 ’252.36%Q2 ’26+7%+8%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.6% share · #30 of 41 inst. · $0.1B of $10.7B

6.7% Dawson
0.6% El Paso
17.2% Furnas
17.1% Clay

Executive Summary

  • Earnings: ROA of 1.41%, up 14 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.59% of loans (-20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.87%, down 70 bps from a year ago.
  • Funding: loans stand at 86.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+44 bps YoY

Efficiency Ratio (YTD, annualized)

55.30%-208 bps YoY

Tier 1 Leverage Ratio

10.87%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.28%1.28%1.31%1.41%+14 bps
Return on Equity12.38%12.33%12.39%12.54%13.07%+69 bps
Net Interest Margin3.45%3.48%3.46%3.77%3.88%+44 bps
Efficiency Ratio57.39%57.80%57.81%56.69%55.30%-208 bps
Non-Interest Burden1.82%1.85%1.84%1.98%1.97%+15 bps
Growth
Asset Growth (YoY)0.83%1.44%11.96%8.60%2.94%+211 bps
Loan Growth (YoY)4.73%7.31%16.15%9.65%5.76%+104 bps
Deposit Growth (YoY)2.85%-0.31%14.41%12.44%10.77%+791 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.74%0.63%0.61%0.59%-20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.38%2.35%2.31%2.35%2.37%-1 bps
Allowance Coverage of NPLs3.0x3.2x3.7x3.8x4.0x+1.0x
Capital
Tier 1 Leverage Ratio11.58%11.50%10.58%10.47%10.87%-70 bps
Total Risk-Based Capital14.61%14.58%13.41%13.58%14.12%-48 bps
Equity / Assets10.49%10.77%10.40%10.57%11.31%+82 bps
Liquidity & Funding
Loans / Deposits90.50%91.23%82.98%84.07%86.41%-409 bps
Liquid Assets / Assets0.99%0.91%1.18%1.48%1.44%+45 bps
CRE / Total Capitaln/a324%343%333%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Waypoint Bank

Cozad, NE · Cert 5394 · Peer group: banks under $1B in assets in NE (n=83) · Midwest Banco Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$391.5MAssets
$280.5MLoans
$324.6MDeposits
$44.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 71% of banks under $1B in assets in NE (rank 24 of 83).
  • Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets in NE (rank 60 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.45%

Rank 25 of 83

Net Interest Margin

3.88%

Rank 25 of 83

Efficiency Ratio

55.91%

Rank 30 of 83

Equity / Assets

11.31%

Rank 42 of 83

Non-interest income vs. expense

$1.5M$9.4MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 65% of banks under $1B in assets in NE
Bank 55.91%Peer median 60.0%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.93%1.20%1.51%Beats 70%25 / 83
Return on Equity12.78%8.04%10.34%13.11%Beats 71%24 / 83
Net Interest Margin3.88%3.25%3.62%4.02%Beats 70%25 / 83
Efficiency Ratio55.91%51.13%59.95%67.19%Beats 65%30 / 83
Asset Quality
Nonperforming Loans / Loans0.59%0.00%0.19%0.96%Beats 29%60 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 48%45 / 83
Capital
Tier 1 Capital Ratio12.86%10.94%13.24%16.62%Beats 46%45 / 83
Total Risk-Based Capital Ratio14.12%11.04%13.54%17.63%Beats 54%38 / 83
Equity / Assets11.31%9.90%11.31%13.84%Beats 49%42 / 83
Liquidity & Funding
Loans / Deposits86.41%71.97%83.15%92.22%59th pctl34 / 83
Loans / Assets71.64%57.96%69.15%77.64%57th pctl36 / 83
Brokered Deposits / Depositsn/aNot reported for this institution