WCF Financial Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 87.7% in Q2 2026, from $9.5M to $1.2M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, WCF Financial Bank is 29th of 225 on loan-to-deposit ratio, 101.50% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. WCF Financial Bank sits 20.66 points higher, at 101.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.6M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.52% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $31.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.50% |
| Net loans and leases to deposits | 100.34% |
| Loans and leases to core deposits | 130.65% |
| Core deposits to total deposits | 62.48% |
| Brokered deposits to total deposits | 15.21% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 106.78% | 73.72% | $0 | $30.2M |
| Q4 2023 | 102.78% | 75.05% | $0 | $30.2M |
| Q1 2024 | 101.01% | 74.68% | $0 | $27.7M |
| Q2 2024 | 108.27% | 75.40% | $510K | $30.7M |
| Q3 2024 | 107.72% | 72.54% | $0 | $32.6M |
| Q4 2024 | 103.83% | 74.81% | $0 | $42.5M |
| Q1 2025 | 99.47% | 73.50% | $0 | $28.5M |
| Q2 2025 | 101.08% | 75.06% | $0 | $32.5M |
| Q3 2025 | 108.34% | 70.81% | $0 | $43.5M |
| Q4 2025 | 101.18% | 73.02% | $0 | $35.5M |
| Q1 2026 | 98.67% | 61.43% | $0 | $30.5M |
| Q2 2026 | 101.50% | 62.48% | $0 | $31.0M |
WCF Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock WCF Financial Bank, freeSource: Call Report Schedules RC and RC-M, 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)