BlastPoint's Banking Scorecard
Waypoint Bank
Cozad, NE
8 branches across NE · CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +10.8% year over year ($324.6M on the books).
- Delinquency rate 0.60%.
- Return on assets 1.77%.
- Efficiency ratio 55.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Waypoint Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.45% above tier average
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 9.17% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$391.5M
+2.9% YoY
-3.4% QoQ
|
+$4.9M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$273.8M
+5.8% YoY
+0.0% QoQ
|
+$15.5M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$324.6M
+10.8% YoY
-2.6% QoQ
|
-$2.2M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.77%
+11.5% YoY
+7.1% QoQ
|
+0.45% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.12%
+11.1% YoY
+3.0% QoQ
|
+0.14% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
55.30%
-3.6% YoY
-2.4% QoQ
|
-9.17% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.60%
-25.0% YoY
-3.6% QoQ
|
-0.32% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
84.37%
-4.5% YoY
+2.8% QoQ
|
+6.42% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
29.50%
+9.4% YoY
+0.2% QoQ
|
+7.46% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.42%
-22.9% YoY
-0.1% QoQ
|
-0.25% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.86%
-3.6% YoY
+4.4% QoQ
|
-3.05% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.20%
+19.0% YoY
+116.6% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.5%
+2.5pp YoY +0.1pp QoQ |
+7.3pp | 22.1% | 17.6% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.0%
-0.6pp YoY +0.4pp QoQ |
-2.6pp | 11.6% | 12.3% | 12.5% | 46% |
| CRE |
52.2%
+0.1pp YoY +1.2pp QoQ |
+12.7pp | 39.5% | 32.3% | 41.4% | 74% |
| 1-4 Family |
7.4%
+0.4pp YoY -0.3pp QoQ |
-25.2pp | 32.6% | 16.9% | 31.3% | 8% |
| Consumer |
1.8%
-0.4pp YoY -0.2pp QoQ |
-2.3pp | 4.1% | 3.1% | 5.0% | 45% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
-0.5pp YoY +0.5pp QoQ |
-6.0pp | 18.8% | 16.1% | 19.7% | 26% |
| Leverage Ratio |
10.9%
-0.7pp YoY +0.4pp QoQ |
-1.3pp | 12.2% | 12.1% | 12.6% | 48% |
| Total Capital Ratio |
14.1%
-0.5pp YoY +0.5pp QoQ |
-5.8pp | 19.9% | 17.3% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
63
+8 (+14.5%) YoY 0 QoQ |
+4 | 58 | 98 | 482 | 66% |
| Assets per Employee ($) |
$6.2M
-10.1% YoY -3.4% QoQ |
-$1.3M | $7.5M | $8.5M | $8.8M | 37% |
| Branch Count |
8
+1 (+14.3%) YoY 0 QoQ |
+3 | 4 | 7 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 0.8% | 1.0% | 58% |
| Allowance Coverage |
4.03x
+32.5% YoY +4.6% QoQ |
-20.13x | 24.15x | 31.69x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.5%
+0.9pp YoY +0.7pp QoQ |
+4.3pp | 12.2% | 12.3% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.9% | 1.7% | 31% |
| Net Income ($, YTD) |
$3.6M
+20.2% YoY — QoQ |
+$1.0M | $2.6M | $6.1M | $40.4M | 76% |
Get Full Access to Waypoint Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.