WCF Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.83 percentage points higher than in Q1 2026, at 101.50%. WCF Financial Bank ranks 29th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 101.50% (Q2 2026). WCF Financial Bank reported 101.50% on loan-to-deposit ratio for Q2 2026, 20.66 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.3M |
| Net loans and leases | $174.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.57% |
| Loan-to-deposit ratio | 101.50% |
| Net loans to equity capital | 9.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.78% |
| Multifamily (5+ residential) | 0.75% |
| Commercial and industrial | 5.22% |
| Consumer | 4.07% |
| Credit cards | 0.00% |
| Farm | 24.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.81% |
| Construction concentration (Tier 1 capital + allowance) | 50.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.15% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $141.9M | $132.9M | 4.22% | 4.47% | 4.39% |
| Q4 2023 | $146.9M | $142.9M | 4.03% | 4.33% | 4.15% |
| Q1 2024 | $156.5M | $155.0M | 4.08% | 5.72% | 4.10% |
| Q2 2024 | $165.6M | $153.0M | 3.63% | 5.75% | 4.05% |
| Q3 2024 | $169.2M | $157.1M | 3.94% | 6.02% | 4.04% |
| Q4 2024 | $168.1M | $161.9M | 3.70% | 6.01% | 4.14% |
| Q1 2025 | $167.8M | $168.7M | 3.74% | 5.88% | 4.19% |
| Q2 2025 | $168.1M | $166.3M | 3.66% | 5.75% | 4.47% |
| Q3 2025 | $174.2M | $160.8M | 3.57% | 6.51% | 4.27% |
| Q4 2025 | $174.3M | $172.2M | 3.75% | 6.64% | 4.24% |
| Q1 2026 | $174.6M | $176.9M | 4.94% | 4.98% | 4.02% |
| Q2 2026 | $176.3M | $173.7M | 4.78% | 5.22% | 4.07% |
WCF Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock WCF Financial Bank, freeSource: Call Report Schedule RC-C, 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)