Waypoint Bank (FDIC #5394): Bank Stress & Real-Estate Credit Exposure
Waypoint Bank (FDIC Cert #5394): bank stress 51/100, moderate, STABLE over 7 days; parent MIDWEST BANCO CORP.
Waypoint Bank (#5394) lends in 7 counties across 2 states; Waypoint Bank (#5394) reaches 122 ZIP codes: Nebraska 5 counties, 51 ZIPs; Colorado 2 counties, 71 ZIPs.
Waypoint Bank (#5394) largest markets: El Paso County, CO (47 branches, 47 ZIPs) (#5394), Larimer County, CO (24 branches, 24 ZIPs) (#5394), Clay County, NE (30 branches, 15 ZIPs) (#5394), Frontier County, NE (13 branches, 13 ZIPs) (#5394), Dawson County, NE (12 branches, 12 ZIPs) (#5394), Furnas County, NE (9 branches, 9 ZIPs) (#5394).
Waypoint Bank (#5394) reports $391.5 million in total assets; Waypoint Bank (#5394) equity $44.3 million (11.3% of Waypoint Bank (#5394) assets); Waypoint Bank (#5394) domestic deposits $324.6 million; Waypoint Bank (#5394) net income $3.6 million; Waypoint Bank (#5394) return on assets 1.77%; Waypoint Bank (#5394) return on equity 16.49%; Waypoint Bank (#5394) net interest income $7.7 million; Waypoint Bank (#5394) call report June 30, 2026.
Waypoint Bank (#5394) noncurrent real-estate loans: none reported; Waypoint Bank (#5394) net charge-offs on real estate 0.79%; Waypoint Bank (#5394) residential charge-offs 1.85%.
Waypoint Bank (#5394) net interest margin 4.12% against an eight-quarter Waypoint Bank (#5394) average of 3.67% (Waypoint Bank (#5394) compression -0.46 points); Waypoint Bank (#5394) non-residential real estate 185.4% of equity; Waypoint Bank (#5394) rate-exposure score 40/100, Waypoint Bank (#5394) fixed-rate trap 40/100; Waypoint Bank (#5394) risk type credit driven; Waypoint Bank (#5394) rate regime rates elevated, Waypoint Bank (#5394) snapshot October 19, 2026.
Waypoint Bank (#5394) stress score moved from 54.1 on June 22, 2026 to 50.5 on October 20, 2026; Waypoint Bank (#5394) ranged 50.5 to 54.1 over 117 snapshots.
Waypoint Bank (#5394) alerts: 7 counties; top Waypoint Bank (#5394) alert scores: Cambridge County, NE 19 (low); Colorado Springs County, NE 19 (low); Cozad County, NE 19 (low); Eustis County, NE 19 (low); Fort Collins County, NE 19 (low).