WCF Financial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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 has the 8th lowest return on assets of the 225 banks headquartered in Iowa, at 0.26% as of Q2 2026. WCF Financial Bank's return on assets of 0.26% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.46% |
| Tier 1 risk-based capital ratio | 11.46% |
| Total risk-based capital ratio | 12.71% |
| Tier 1 leverage ratio | 8.31% |
| Equity capital to assets | 7.86% |
| Tangible equity to tangible assets | 7.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.06% |
| Non-performing assets ratio | 3.98% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 46.13% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 22.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.26% |
| Return on equity | 3.23% |
| Net interest margin | 2.93% |
| Efficiency ratio | 88.25% |
| Yield on earning assets | 5.72% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.50% |
| Core deposits to total deposits | 62.48% |
| Brokered deposits to total deposits | 15.21% |
| Deposits to assets | 77.41% |
| Securities to assets | 10.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.43% | 15.43% | 16.18% | 12.28% | 0.19% |
| Q4 2023 | 15.67% | 15.67% | 16.49% | 11.42% | -1.21% |
| Q1 2024 | 13.71% | 13.71% | 14.45% | 10.98% | 0.04% |
| Q2 2024 | 13.86% | 13.86% | 14.63% | 10.68% | 0.03% |
| Q3 2024 | — | — | — | 10.20% | 0.09% |
| Q4 2024 | 13.72% | 13.72% | 14.55% | 10.14% | -0.22% |
| Q1 2025 | 13.95% | 13.95% | 14.80% | 10.13% | 0.04% |
| Q2 2025 | 13.77% | 13.77% | 14.65% | 9.95% | 0.04% |
| Q3 2025 | 13.09% | 13.09% | 13.95% | 9.62% | 0.27% |
| Q4 2025 | 11.30% | 11.30% | 12.52% | 8.06% | -4.32% |
| Q1 2026 | 11.33% | 11.33% | 12.57% | 8.08% | -0.05% |
| Q2 2026 | 11.46% | 11.46% | 12.71% | 8.31% | 0.26% |
WCF Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WCF Financial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)