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
Unfavorable gap of $7.9M · efficiency ratio beats 65% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.93% | 1.20% | 1.51% | Beats 70% | 25 / 83 | |
| Return on Equity | 12.78% | 8.04% | 10.34% | 13.11% | Beats 71% | 24 / 83 | |
| Net Interest Margin | 3.88% | 3.25% | 3.62% | 4.02% | Beats 70% | 25 / 83 | |
| Efficiency Ratio | 55.91% | 51.13% | 59.95% | 67.19% | Beats 65% | 30 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.00% | 0.19% | 0.96% | Beats 29% | 60 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 48% | 45 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 12.86% | 10.94% | 13.24% | 16.62% | Beats 46% | 45 / 83 | |
| Total Risk-Based Capital Ratio | 14.12% | 11.04% | 13.54% | 17.63% | Beats 54% | 38 / 83 | |
| Equity / Assets | 11.31% | 9.90% | 11.31% | 13.84% | Beats 49% | 42 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 86.41% | 71.97% | 83.15% | 92.22% | 59th pctl | 34 / 83 | |
| Loans / Assets | 71.64% | 57.96% | 69.15% | 77.64% | 57th pctl | 36 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |