Waypoint Bank is a bank based in Cozad, Nebraska, established in 1883, with $405 million in total assets across 8 branches. By Trust Grade it ranks 50th of 139 banks we track in Nebraska. Its capital ratio of 10.6% is stronger than 57% of similarly sized banks, versus a Nebraska median of 10.8%. It was profitable over the most recent period, with a 1.66% return on assets. No consumer complaints against Waypoint Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Waypoint Bank compares to Nebraska peers
How we graded Waypoint Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.6% capital ratio)
- Strongly profitable (ROA 1.66%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Waypoint Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 116 S Alexander Ave, Clay Center, NE 68933
- 707 Patterson St, Cambridge, NE 69022
- 747 Meridian Ave, Cozad, NE 69130
- 24 S Weber St Ste 151, Colorado Springs, CO 80903
- 100 N Main St, Eustis, NE 69028
- 348 Broadway, Imperial, NE 69033
- 2900 S College Ave, Fort Collins, CO 80525
- 105 S Saunders Ave, Sutton, NE 68979
Are deposits at Waypoint Bank insured?
Yes. Waypoint Bank is an FDIC-insured bank (FDIC certificate #5394). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Waypoint Bank: frequently asked questions
Is Waypoint Bank a good bank?
Waypoint Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.6% capital ratio); Strongly profitable (ROA 1.66%).
Is Waypoint Bank FDIC-insured?
Yes. Waypoint Bank is a FDIC-insured bank (FDIC certificate #5394). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Waypoint Bank?
Waypoint Bank holds $405 million in total assets, ranking 50th of 139 banks we track in Nebraska. It operates 8 branches.
Does Waypoint Bank have CFPB complaints?
No CFPB complaints against Waypoint Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
