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Wcf Financial Bank
Webster City, IA · FDIC Certificate #28989 · Chartered 06/0
Total assets
$224.38M
Total deposits
$173.70M
Total equity
$17.64M
Net loans
$174.29M
Branches (offices)
3
Net income (YTD)
$111.00K
Rank: #2,844 of 4,213 U.S. banks by assets · #130 of 225 in Iowa. Assets changed 1.4% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.10% |
| Return on equity | 1.26% |
| Net interest margin (YTD) | 2.71% |
| Equity to assets | 7.86% |
| Tier 1 leverage ratio | 8.31% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 5.11% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 100.3% |
| Real estate loans (share of loans) | 84.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $147.07M | 84.4% | |
| Commercial & industrial | $9.20M | 5.3% | |
| Consumer / individual | $7.17M | 4.1% | |
| Construction & development | $10.35M | 5.9% | |
| Agricultural | $12.74M | 7.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $149.45M | $112.90M | $264.00K | $19.88M |
| Jun 2023 | $177.07M | $128.17M | $303.00K | $20.42M |
| Jun 2024 | $206.71M | $153.00M | $37.00K | $20.29M |
| Jun 2025 | $221.30M | $166.32M | $43.00K | $20.27M |
| Jun 2026 | $224.38M | $173.70M | $111.00K | $17.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $173.70M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $173.70M.
Similar-sized banks
Sanger Bank ($224.45M) · The Citizens National Bank Of Hillsboro ($224.37M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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