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WCF Financial Bank

Webster City, IA · Cert 28989 · WCF Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$224.4MAssets
$176.3MLoans
$173.7MDeposits
$17.6MEquity
Loan mix
90%RE $145.3M5%C&I $8.7M4%Consumer $7.0MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $162.9M6%Noninterest $10.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.10%, up 6 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 5.11% of loans (+263 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.31%, down 164 bps from a year ago.
  • Funding: loans stand at 101.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.10%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.53%+12 bps YoY

Efficiency Ratio (YTD, annualized)

95.25%-286 bps YoY

Tier 1 Leverage Ratio

8.31%-164 bps YoY

NIM

5.11%Q2 ’245.29%Q2 ’255.21%Q2 ’26+13%+5%

Non-interest income vs. expense

2.52%Q2 ’242.74%Q2 ’252.79%Q2 ’26+13%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%-0.02%0.04%10.04%0.11%-1.01%-0.05%0.10%+6 bps
Return on Equity0.56%-0.16%0.45%0.42%1.26%-11.44%-0.71%1.26%+84 bps
Net Interest Margin2.12%2.16%2.40%2.41%2.44%2.12%2.31%2.53%+12 bps
Efficiency Ratio96.58%98.67%98.72%98.11%94.42%106.29%102.36%95.25%-286 bps
Non-Interest Burden2.03%2.13%2.36%2.36%2.27%2.28%2.38%2.39%+4 bps
Growth
Asset Growth (YoY)14.79%16.11%7.20%7.06%6.67%0.37%3.25%1.39%-567 bps
Loan Growth (YoY)19.22%14.44%7.22%1.50%2.97%3.66%4.02%4.86%+337 bps
Deposit Growth (YoY)18.18%13.29%8.88%8.71%2.37%6.37%4.86%4.43%-428 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.72%2.10%2.48%2.19%5.29%5.53%5.11%+263 bps
Net Charge-Offs / Loans-0.01%-0.01%0.01%0.00%0.00%0.53%0.00%0.00%0 bps
Allowance / Loans0.72%0.75%0.77%0.78%0.77%1.11%1.13%1.14%+36 bps
Allowance Coverage of NPLs1.6x1.0x0.4x0.3x0.4x0.2x0.2x0.2x-0.1x
Capital
Tier 1 Leverage Ratio10.20%10.14%10.13%9.95%9.62%8.06%8.08%8.31%-164 bps
Total Risk-Based Capital10.20%14.55%14.80%14.65%13.95%12.52%12.57%12.71%-194 bps
Equity / Assets9.74%8.94%9.38%9.16%8.92%7.72%7.75%7.86%-130 bps
Liquidity & Funding
Loans / Deposits107.72%103.83%99.47%101.08%108.34%101.18%98.67%101.50%+41 bps
Liquid Assets / Assets0.72%1.26%1.40%1.73%1.25%1.75%1.82%2.40%+67 bps
CRE / Total Capitaln/an/an/an/a87.88%103.89%111.15%n/an/a