Waypoint Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $405M | $333M | $274M | $43M | $2M | 1.66% | 15.80% | 4.00% | 0.61% |
| Q4 2025 | $411M | $341M | $276M | $43M | $2M | 1.61% | 15.53% | 3.85% | 0.63% |
| Q3 2025 | $385M | $294M | $262M | $41M | $2M | 1.61% | 15.50% | 3.78% | 0.74% |
| Q2 2025 | $380M | $293M | $259M | $40M | $2M | 1.59% | 15.55% | 3.71% | 0.78% |
| Q1 2025 | $373M | $297M | $249M | $38M | $1M | 1.48% | 14.70% | 3.60% | 0.81% |
| Q4 2024 | $367M | $298M | $237M | $37M | $1M | 1.19% | 12.92% | 3.17% | 0.87% |
| Q3 2024 | $379M | $295M | $244M | $37M | $1M | 1.16% | 12.81% | 3.11% | 0.88% |
| Q2 2024 | $377M | $285M | $247M | $34M | $1M | 1.11% | 12.65% | 3.04% | 1.09% |
| Q1 2024 | $379M | $296M | $243M | $33M | $1M | 1.08% | 12.44% | 3.07% | 0.96% |
| Q4 2023 | $376M | $290M | $241M | $33M | $1M | 1.29% | 16.43% | 3.15% | 0.21% |
| Q3 2023 | $380M | $298M | $244M | $28M | $1M | 1.21% | 15.91% | 3.14% | 0.21% |
| Q2 2023 | $375M | $295M | $239M | $29M | $1M | 1.16% | 15.17% | 3.11% | 0.22% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.