WCF Financial Bank
Webster City, IA · Cert 28989 · Peer group: banks under $1B in assets in IA (n=134-135) · WCF Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$224.4MAssets
$176.3MLoans
$173.7MDeposits
$17.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 59% of banks under $1B in assets in IA (rank 56 of 134).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in IA (rank 131 of 134).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.10%
Rank 131 of 135
Net Interest Margin
2.53%
Rank 126 of 135
Efficiency Ratio
95.25%
Rank 132 of 135
Equity / Assets
7.86%
Rank 130 of 135
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 3% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.10% | 0.92% | 1.19% | 1.47% | Beats 3% | 131 / 135 | | |
| Return on Equity | 1.26% | 7.99% | 10.26% | 13.14% | Beats 3% | 131 / 135 | | |
| Net Interest Margin | 2.53% | 2.95% | 3.41% | 3.73% | Beats 7% | 126 / 135 | | |
| Efficiency Ratio | 95.25% | 50.61% | 57.35% | 63.29% | Beats 3% | 132 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.11% | 0.03% | 0.51% | 1.26% | Beats 3% | 131 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 59% | 56 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 11.46% | 11.23% | 13.31% | 15.45% | Beats 27% | 98 / 135 | | |
| Total Risk-Based Capital Ratio | 12.71% | 11.61% | 14.06% | 16.47% | Beats 38% | 84 / 135 | | |
| Equity / Assets | 7.86% | 9.87% | 11.05% | 13.07% | Beats 4% | 130 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.50% | 68.54% | 81.55% | 91.24% | 89th pctl | 15 / 134 | | |
| Loans / Assets | 78.57% | 57.61% | 68.06% | 76.23% | 81st pctl | 25 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |