Webster City, IA · Cert 28989 · WCF Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.11% | -1.01% | -0.05% | 0.10% | +6 bps | |
| Return on Equity | 0.42% | 1.26% | -11.44% | -0.71% | 1.26% | +84 bps | |
| Net Interest Margin | 2.41% | 2.44% | 2.12% | 2.31% | 2.53% | +12 bps | |
| Efficiency Ratio | 98.11% | 94.42% | 106.29% | 102.36% | 95.25% | -286 bps | |
| Non-Interest Burden | 2.36% | 2.27% | 2.28% | 2.38% | 2.39% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.06% | 6.67% | 0.37% | 3.25% | 1.39% | -567 bps | |
| Loan Growth (YoY) | 1.50% | 2.97% | 3.66% | 4.02% | 4.86% | +337 bps | |
| Deposit Growth (YoY) | 8.71% | 2.37% | 6.37% | 4.86% | 4.43% | -428 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.48% | 2.19% | 5.29% | 5.53% | 5.11% | +263 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.53% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.78% | 0.77% | 1.11% | 1.13% | 1.14% | +36 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.95% | 9.62% | 8.06% | 8.08% | 8.31% | -164 bps | |
| Total Risk-Based Capital | 14.65% | 13.95% | 12.52% | 12.57% | 12.71% | -194 bps | |
| Equity / Assets | 9.16% | 8.92% | 7.72% | 7.75% | 7.86% | -130 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.08% | 108.34% | 101.18% | 98.67% | 101.50% | +41 bps | |
| Liquid Assets / Assets | 1.73% | 1.25% | 1.75% | 1.82% | 2.40% | +67 bps | |
| CRE / Total Capital | n/a | 87.88% | 103.89% | 111.15% | n/a | n/a | |