Waypoint Bank is an FDIC insured institution headquartered at
747 Meridian Ave, Cozad, NE 69130.
Deposit Rates -
August 24, 2026
SAVINGS RATES
APY
MIN
Savings
0.03% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.20% $10,000
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6 Mo CD
0.20% $100,000
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12 Mo CD
0.30% $10,000
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12 Mo CD
0.30% $100,000
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18 Mo CD
0.40% $10,000
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18 Mo CD
0.40% $100,000
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24 Mo CD
0.45% $10,000
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24 Mo CD
0.45% $100,000
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30 Mo CD
0.50% $10,000
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30 Mo CD
0.50% $100,000
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36 Mo CD
0.55% $10,000
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36 Mo CD
0.55% $100,000
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48 Mo CD
0.65% $10,000
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48 Mo CD
0.65% $100,000
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60 Mo CD
0.75% $10,000
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60 Mo CD
0.75% $100,000
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MM RATES
APY
MIN
Money Market
0.02% $2,500
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Money Market
0.05% $10,000
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Money Market
0.10% $25,000
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INT CHECKING RATES
APY
MIN
Int Ckg
0.01% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 5394
Date Established
1883
Assets
$ 411.34 million
Loans
$ 276.03 million
Deposits
$ 340.51 million
Capital
$ 42.77 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 12.86 million
Interest-bearing balances
$ 4.84 million
Total securities
$ 79.92 million
Federal funds sold and reverse repurchase
$ 17.01 million
Net loans and leases
$ 276.03 million
Loan loss allowance
$ 6.52 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 5.12 million
All other assets
$ 13.62 million
Total Assets $ 368.57 million
LIABILITIES
Total deposits
$ 340.51 million
Interest-bearing deposits
$ 237.95 million
Deposits held in domestic offices
$ 340.51 million
% insured (estimated)" 69.29%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 10.74 million
Subordinated debt
N.A.
All other liabilities
$ 0.96 millionn
Total Liabilities $ 368.57 million
Shareholders’ Equity $ 42.77 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 19.57 million
Total Interest Expense
$ 5.93 million
Net interest income
$ 13.64 million
Provision for loan and lease losses
$ 0.06 million
Total non interest income
$ 1.36 million
Total non interest expense
$ 8.70 million
Pre-tax Net Operating Income
$ 3.48 million
Customer Reviews for Waypoint Bank
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