WCF Financial Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Webster City, IA, WCF Financial Bank serves its local market as an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $224M in assets, including $176M in loans. Profitability runs below industry average: 0.26% ROA, 3.23% ROE, with NIM at 2.93%. Capital is comfortably above regulatory requirements, CET1 ratio of 11.46% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is impaired, with nonperforming loans at 5.06%. It operates 3 branches, primarily in Iowa.
As of June 30, 2026, WCF Financial Bank reported a CET1 capital ratio of 11.46%, a return on assets of 0.26%, a nonperforming-loan ratio of 5.06%, a Texas ratio of 46.13%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 401 Fair Meadow Dr, Webster City, IA 50595
- County
- Hamilton
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1934
- Former names
- Webster City Federal Savings Bank (1990-2014)
- Offices
- 3 domestic
- Employees (FTE)
- 30
- Domestic deposits
- $173.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $222.7M
- Average total loans
- $175.2M
- Average interest-bearing deposits
- $162.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28989
- Fed RSSD
- 935577
- SEC CIK
- 1667944 → filed by WCF BANCORP, INC.
- Website
- www.wcfbank.com →
- Parent Holding Company
- WCF BANCORP, INC. (RSSD 4974631)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full WCF Financial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock WCF Financial Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
WCF Financial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for WCF Financial Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.46% | 0.26% | 5.06% | 46.13% | 2.93% |
| Q1 2026 | 11.33% | -0.05% | 5.48% | 49.63% | 2.46% |
| Q4 2025 | 11.30% | -4.32% | 5.18% | 47.67% | 1.47% |
| Q3 2025 | 13.09% | 0.27% | 2.19% | 18.06% | 2.74% |
| Q2 2025 | 13.77% | 0.04% | 0.21% | 19.65% | 2.60% |
| Q1 2025 | 13.95% | 0.04% | 0.34% | 16.54% | 2.57% |
| Q4 2024 | 13.72% | -0.22% | 0.49% | 5.77% | 2.40% |
| Q3 2024 | — | 0.09% | 0.27% | 3.57% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| WCF Financial Bank (main office) | Webster City , IA | 50595 | $120.9M |
| 305 First Street West Branch | Independence , IA | 50644 | $27.1M |
| Tama Branch | Tama , IA | 52339 | $25.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 4, 2014 | Structure Change | Acquired Independence Federal Bank For Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for WCF Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 2, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 153 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about WCF Financial Bank
What are WCF Financial Bank's total assets?
As of the Q2 2026 filing, WCF Financial Bank reported total assets of $224.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is WCF Financial Bank headquartered?
WCF Financial Bank is headquartered in Webster City, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was WCF Financial Bank founded?
WCF Financial Bank was established in 1934, per the FDIC institution directory.
Is WCF Financial Bank FDIC-insured?
Yes. WCF Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #28989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates WCF Financial Bank?
WCF Financial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is WCF Financial Bank's CET1 capital ratio?
WCF Financial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.46% in its Q2 2026 call report, above regulatory requirements.
How many branches does WCF Financial Bank operate?
WCF Financial Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is WCF Financial Bank's Texas Ratio?
WCF Financial Bank's Texas Ratio is 46.13% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was WCF Financial Bank previously called?
The charter now named WCF Financial Bank has also operated as Webster City Federal Savings Bank (1990-2014), per FDIC structure-change records.
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