About Waypoint Bank: Your Community Bank!
Waypoint Bank is a group of family-owned, community-oriented banks in Nebraska and Colorado. The bank was originally chartered in 1883 in Cozad, Nebraska and expanded over the years to other Nebraska communities. Our ownership group in Nebraska has been a part of the Cozad community since 1917. The group in Colorado has been a part of the Colorado Springs community since 1979, opening the Colorado Springs (previously Mountain View Bank) branch in 2002.
Our new name was inspired by the definition of waypoint — “the chosen point one wants to find and arrive at with precision.” It perfectly describes us. Waypoint Bank is the local, community bank where you take stock of your future and plot the next stage of your life with guidance from the people you know and trust.
Waypoint Bank and its leaders are committed to serving the local communities surrounding our branches. We strive for excellence in customer service by employing the friendliest and most knowledgeable individuals. We are a neighborhood bank; our management was born and raised in the Midwest with their roots deep in agriculture. This is where our roots began, though we now extend into urban communities as well. We have based our business relationships on our historical values…our word is our bond. We have kept our yesterday values as our today values, and they will remain the same tomorrow.
We want to make your community banking experience easy. We care about you, your family and your business. We offer everything that the big chain banks offer, but with a personal touch. Come in and experience the difference at your nearest Waypoint Bank location!
Get Started! Contact your nearest Waypoint Bank location.

Core Values
INTEGRITY
We strive to operate with absolute integrity. We insist upon honesty, dependability, loyalty, and accountability in each of our business relationships. We do what we say we will do. We aim to always work diligently and are committed to acting in the best interests of our local communities.
RELATIONSHIPS
As a community bank, we know that relationships with our clients are the strength of our company. We strive for the highest level of service for each client. We hope that by exceeding our clients’ expectations through our banking services, we are nurturing long-term relationships.
EXCELLENCE
To us, excellence means meeting and exceeding the standards set by our industry and by our competitors. We are constantly evolving to strive for perfection through our banking services. We know that we will only be excellent if our customers vote us that prestigious honor.
Our History
1883
First Bank & Trust Company was originally chartered to be a full-service community bank.
1966
The current ownership purchased the bank with its office in Cozad, Nebraska.
1996
Clay Center branch opened.
2002
In the fall, we opened a branch in Colorado Springs, CO.
2004
In the fall, we added a branch at Eustis, NE.
2007
First State Bank of Imperial, NE, was added as a branch.
2008
First State Bank of Imperial, NE, changed its name to First Bank & Trust Company.
2013
In the summer, First National Bank of Cambridge, NE, was added as a branch.
2016
Loveland LPO opened.
2017
All branches are unified under one name – Waypoint Bank – to provide a focused banking experience designed for customers.
2018
Ft. Collins branch opened
Leadership Team
OFFICERS
- Kirk Riley, President, Chief Executive Officer (Cozad)
- Timothy Sladek, Nebraska Market President (Cozad)
- Kevin Gilbert, Senior Vice President, Senior Lending Officer (Cozad)
- Renae Rowe, Compliance Officer (Cozad)
- Sheri Hladky, Vice President (Cozad)
- Jessica Beisner, Vice President/Cashier (Cozad)
- Amanda Swanson, Assistant Vice President (Cozad)
- Eric Zimbelman, Loan Officer (Cozad)
- Sharon Houser, BSA Officer (Cozad)
- Jessie Anderson, Branch Manager (Clay Center)
- Lisa Baxa, IT Officer (Clay Center)
- James Martin, Loan Officer (Clay Center)
- Robert Lucia, Colorado Market President (Colorado Springs)
- Rebecca Akers, Colorado Senior Credit Officer (Colorado Springs)
- Ken Brower, Vice President (Colorado Springs)
- Tristan Newcomb, Assistant Vice President (Eustis)
- Harmaleigh Dubas, Branch Manager (Imperial)
- Derek Downer, Branch President(Cambridge)
- Kathy Miller, Vice President (Cambridge)
- Levi Watson, Loan Officer (Cambridge)
- David Besch, Northern Colorado Market Manager (Ft. Collins)
- Alex Nguyen, Operations Manager (Ft. Collins)
- Josh Alcantar, Commercial Lender (Ft. Collins)
BOARD OF DIRECTORS:
Kirk Riley, Chairman of the Board | Kevin Gilbert | Rebecca Akers | Al Svajgr | Kristen Jack | Clark Andrews | Dawn Caldwell | Robert Lucia | Tim Sladek