US Bank Directory
Banks in Cozad, NE
3 FDIC-insured banks operate 3 offices in Cozad, Nebraska.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Cozad
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 3 banks and credit unions operate 3 locations in Cozad, according to the FDIC. 3 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
3 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Cozad
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Security First Bank, Homestead Bank and Waypoint Bank have the most locations in Cozad, with 1 each. 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Homestead Bank Bank · 1
Homestead Bank has 1 branch in Cozad, 11 across Nebraska and 10 nationwide. FDIC records list its main office in Cozad, NE and show it operating since 1905. With $537.0 million in total assets on June 30, 2026, it ranks No. 1,708 of 4,232 U.S. banks by total assets. Its main office at 915 Meridian Ave dates to 1905 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office915 Meridian Ave, 69130
Security First Bank Bank · 1
Security First Bank has 1 branch in Cozad, 33 across Nebraska and 36 nationwide. FDIC records list its main office in Lincoln, NE and show it operating since 1924. With $2.32 billion in total assets on June 30, 2026, it ranks No. 538 of 4,232 U.S. banks by total assets. The Cozad Branch at 202 W 8th St dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Cozad Branch202 W 8th St, 69130
Waypoint Bank Bank · 1
Waypoint Bank has 1 branch in Cozad, 6 across Nebraska and 8 nationwide. FDIC records list its main office in Cozad, NE and show it operating since 1883. With $391.5 million in total assets on June 30, 2026, it ranks No. 2,104 of 4,232 U.S. banks by total assets. Its main office at 747 Meridian Ave dates to 1883 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office747 Meridian Ave, 69130
Banking in Cozad: the local picture
Short answer: 3 banks run 3 branches in Cozad according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 3 banks, 2 have their main office in Cozad, 1 elsewhere in Nebraska, according to the FDIC.
The bank with the longest record here is Waypoint Bank, operating since 1883 according to the FDIC. In FDIC branch records, the longest-running branch is Waypoint Bank's office at 747 Meridian Ave, dating to 1883; the newest is Security First Bank's at 202 W 8th St, from 1990.
None of the 3 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Cozad, and where the nearest one is if they do not.
Short answer: No branches in Cozad: Chase (nearest in Lincoln, 172 mi), Wells Fargo (nearest in North Platte, 45 mi), Bank of America (nearest in Omaha, 203 mi), PNC Bank, U.S. Bank (nearest in Kearney, 48 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in North Platte, 45 mi).
| Bank | In Cozad | Nearest branch if none here |
|---|---|---|
| Chase | None | Lincoln, 172 miles away |
| Wells Fargo | None | North Platte, 45 miles away |
| Bank of America | None | Omaha, 203 miles away |
| PNC Bank | None | none in Nebraska |
| U.S. Bank | None | Kearney, 48 miles away |
| Truist | None | none in Nebraska |
| Fifth Third Bank | None | none in Nebraska |
| Huntington | None | none in Nebraska |
| Regions Bank | None | none in Nebraska |
| TD Bank | None | none in Nebraska |
| BMO | None | North Platte, 45 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cozad to the nearest branch in Nebraska.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Cozad residents like anyone else.
Banks near Cozad
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Gothenburg (10 miles) and Lexington (14 miles). Holdrege, 43 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Gothenburg, NE | 10 mi | 2 | 3 |
| Banks in Lexington, NE | 14 mi | 5 | 7 |
| Banks in Elwood, NE | 20 mi | 2 | 2 |
| Banks in Callaway, NE | 30 mi | 2 | 2 |
| Banks in Curtis, NE | 32 mi | 2 | 2 |
| Banks in Cambridge, NE | 41 mi | 3 | 3 |
| Banks in Broken Bow, NE | 42 mi | 5 | 6 |
| Banks in Holdrege, NE | 43 mi | 6 | 6 |
Bank branch openings and closings in Cozad
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Cozad between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Cozad
Short answer: 2 institutions have their main office in Cozad: Homestead Bank and Waypoint Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Homestead Bank | Bank | $537.0 million | 1 |
| Waypoint Bank | Bank | $391.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Cozad by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cozad offices.
Short answer: Security First Bank is the largest bank with offices in Cozad, with $2.32 billion in total assets on June 30, 2026, No. 538 among U.S. banks by total assets. Homestead Bank is second with $537.0 million. 2 of the 3 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Security First Bank | $2.32 billion | No. 538 | 1 | Lincoln, NE |
| Homestead Bank | $537.0 million | No. 1,708 | 1 | Cozad, NE |
| Waypoint Bank | $391.5 million | No. 2,104 | 1 | Cozad, NE |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Cozad: FAQ
How many banks are in Cozad, NE?
Cozad has 3 banks with 3 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Cozad?
Security First Bank, with 1. Homestead Bank has 1 and Waypoint Bank has 1.
Is there a Security First Bank in Cozad, NE?
Yes. FDIC data lists 1 Security First Bank branch in Cozad as of September 5, 2026. The address and directions are under Security First Bank above.
Is there a Homestead Bank in Cozad, NE?
Yes. FDIC data lists 1 Homestead Bank branch in Cozad as of September 5, 2026, the main office at 915 Meridian Ave. The address and directions are under Homestead Bank above.
Is there a Waypoint Bank in Cozad, NE?
Yes. FDIC data lists 1 Waypoint Bank branch in Cozad as of September 5, 2026, the main office at 747 Meridian Ave. The address and directions are under Waypoint Bank above.
Is there a Chase in Cozad, NE?
No. FDIC data lists no Chase branch in Cozad as of September 5, 2026. The nearest is in Lincoln, about 172 miles away in a straight line.
Which banks are headquartered in Cozad?
Homestead Bank and Waypoint Bank have their main office in Cozad, according to the FDIC.
What is the oldest bank in Cozad?
Waypoint Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1883.
Did any bank branches open or close in Cozad in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Cozad?
Nearby cities with more banks include Gothenburg, Lexington, Elwood. Gothenburg is 10 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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