WCF FINANCIAL BANK

WEBSTER CITY, IA | Small | Est. June 1, 1934, midnight | FDIC #28989 | RSSD #935577 | FDIC
Latest Report: 2025-12-31

WCF FINANCIAL BANK is asn small FDIC-insured commercial bank headquartered in WEBSTER CITY, IA, established in June 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $227M and total deposits of $172M. Profitability stands at -4.33% ROA and -52.00% ROE, with a net interest margin of 1.57%. The bank's CET1 capital ratio is 11.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.17% and a Texas Ratio of 46.34%. FDIC Certificate #28989.

Assets

$227M

Deposits

$172M

Loans

$174M

Equity

$18M

Profitability

Return on Assets (ROA) -4.33%
Return on Equity (ROE) -52.00%
Net Interest Margin (NIM) 1.57%
Yield on Assets 4.67%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 5.17%
Net Charge-Off Ratio 0.53%
Texas Ratio 46.34%
NPA Ratio 3.97%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 11.30%
Tier 1 Capital 11.30%
Total Capital Ratio 12.52%
Leverage Ratio 8.06%
Loan-to-Deposit 101.18%

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