Call reports 2026
WAYPOINT BANK — 2026
What WAYPOINT BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 405,220,000 | 391,485,000 |
| Total loans | 280,291,000 | 280,471,000 |
| Allowance for loan losses | 6,579,000 | 6,640,000 |
| Securities available for sale | 79,529,000 | 81,568,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 333,402,000 | 324,567,000 |
| Interest-bearing deposits | 235,255,000 | 228,835,000 |
| Noninterest-bearing deposits | 98,147,000 | 95,732,000 |
| Equity capital | 42,821,000 | 44,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,111,000 | 10,337,000 |
| Interest expense | 1,340,000 | 2,663,000 |
| Net interest income | 3,771,000 | 7,674,000 |
| Noninterest income | 369,000 | 772,000 |
| Noninterest expense | 2,373,000 | 4,722,000 |
| Provision for loan losses | 60,000 | 120,000 |
| Pretax income | 1,707,000 | 3,604,000 |
| Income tax | 17,000 | 35,000 |
| Net income | 1,690,000 | 3,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 41,944,000 | 42,998,000 |
| Total capital | 46,226,000 | 47,206,000 |
| Risk-weighted assets | 340,328,000 | 334,264,000 |