WCF Financial Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.47 percentage points higher than in Q1 2026, at 2.93%. Within Iowa, WCF Financial Bank is 202nd of 225 on net interest margin, 2.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. WCF Financial Bank sits 1.02 points lower, at 2.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 3.05% |
| Cost of borrowings | 4.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.93% |
| Yield to cost spread | 2.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.09% | 2.60% | 2.68% |
| Q4 2023 | 5.20% | 3.06% | 2.30% |
| Q1 2024 | 5.45% | 3.27% | 2.34% |
| Q2 2024 | 5.62% | 3.50% | 2.31% |
| Q3 2024 | 5.81% | 3.46% | 2.45% |
| Q4 2024 | 5.59% | 3.20% | 2.40% |
| Q1 2025 | 5.63% | 3.09% | 2.57% |
| Q2 2025 | 5.66% | 3.19% | 2.60% |
| Q3 2025 | 5.76% | 3.14% | 2.74% |
| Q4 2025 | 4.50% | 3.08% | 1.47% |
| Q1 2026 | 5.29% | 2.85% | 2.46% |
| Q2 2026 | 5.72% | 2.90% | 2.93% |
WCF Financial Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock WCF Financial Bank, freeSource: Call Report Schedules RI and RC-K, 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)