WCF Financial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.18 percentage points between Q1 2026 and Q2 2026, to 7.92%. Within Iowa, WCF Financial Bank is 94th of 114 on CET1 ratio, 11.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. WCF Financial Bank sits 3.61 points lower, at 11.46% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.46% |
| Tier 1 risk-based capital ratio | 11.46% |
| Total risk-based capital ratio | 12.71% |
| Tier 1 leverage ratio | 8.31% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.5M |
| Tier 1 capital | $18.5M |
| Total risk-based capital | $20.5M |
| Total equity capital | $17.6M |
| Risk-weighted assets | $161.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.86% |
| Tangible equity to tangible assets | 7.84% |
| Equity capital to average assets | 7.92% |
| Internal capital growth rate | 3.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $212K |
| Common stock surplus | $18.1M |
| Retained earnings | $1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$917K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.43% | 15.43% | 16.18% | 12.28% | $144.6M |
| Q4 2023 | 15.67% | 15.67% | 16.49% | 11.42% | $138.8M |
| Q1 2024 | 13.71% | 13.71% | 14.45% | 10.98% | $159.0M |
| Q2 2024 | 13.86% | 13.86% | 14.63% | 10.68% | $157.5M |
| Q3 2024 | — | — | — | 10.20% | — |
| Q4 2024 | 13.72% | 13.72% | 14.55% | 10.14% | $158.1M |
| Q1 2025 | 13.95% | 13.95% | 14.80% | 10.13% | $156.6M |
| Q2 2025 | 13.77% | 13.77% | 14.65% | 9.95% | $155.9M |
| Q3 2025 | 13.09% | 13.09% | 13.95% | 9.62% | $160.8M |
| Q4 2025 | 11.30% | 11.30% | 12.52% | 8.06% | $162.0M |
| Q1 2026 | 11.33% | 11.33% | 12.57% | 8.08% | $162.0M |
| Q2 2026 | 11.46% | 11.46% | 12.71% | 8.31% | $161.5M |
WCF Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WCF Financial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full WCF Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28989) · FFIEC NIC profile (RSSD 935577)