WCF Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks WCF Financial Bank of Webster City, IA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.26% | 1.34% | -1.08% | 8th bottom |
| ROAE | 3.23% | 13.32% | -10.09% | 10th bottom |
| Net Interest Margin | 2.93% | 3.93% | -1.00% | 8th bottom |
| Efficiency Ratio | 88.25% | 61.13% | +27.12% | 7th bottom |
| PPNR / Avg Assets | 0.34% | 1.68% | -1.34% | 6th bottom |
| Yield on Earning Assets | 5.72% | 5.67% | +0.05% | 56th above |
| Cost of Funds | 2.90% | 1.88% | +1.02% | 7th bottom |
| Net Interest Spread | 2.67% | 3.32% | -0.65% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.06% | 0.94% | +4.12% | 2nd bottom |
| NPA / Total Assets | 3.98% | 0.70% | +3.28% | 2nd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 22.49% | 1539.03% | -1516.54% | 2nd bottom |
| Texas Ratio | 46.13% | 7.32% | +38.81% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.46% | 19.50% | -8.04% | 12th bottom |
| Tier 1 Ratio | 11.46% | 19.54% | -8.08% | 12th bottom |
| Total Capital Ratio | 12.71% | 20.62% | -7.91% | 13th bottom |
| Leverage Ratio | 8.31% | 12.14% | -3.83% | 4th bottom |
| Equity / Assets | 7.86% | 11.38% | -3.52% | 12th bottom |
| TCE / Tangible Assets | 7.84% | 11.09% | -3.25% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.50% | 80.63% | +20.87% | 10th bottom |
| Core Deposit Ratio | 62.48% | 86.87% | -24.39% | 2nd bottom |
| Wholesale Funding Ratio | 13.81% | 5.03% | +8.78% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.39% | 6.85% | -5.46% | 28th below |
| Loan Growth (Y/Y) | 4.86% | 7.90% | -3.04% | 47th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.43% | 6.29% | -1.86% | 53rd above |
See WCF Financial Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock WCF Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full WCF Financial Bank profile, how to read a UBPR, or how this data updates.