WCF Financial Bank (FDIC certificate #28989) is based in Webster City, Iowa. Its Q2 2026 call report shows $224.4M in total assets and $173.7M in deposits and 3 offices.
Based on its Q2 2026 filing, WCF Financial Bank scores 23/100, which we describe as low. That is higher than only 0% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 226th. Its strongest component is funding & liquidity (50/100; 100% loans-to-deposits, 24% uninsured), and its lowest is loan quality (0/100; 5.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 14 points (37 → 23), mostly because the problem-loan coverage component weakened by 53 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 55 |
| Q1 2025 | 42 |
| Q2 2025 | 37 |
| Q3 2025 | 38 |
| Q4 2025 | 17 |
| Q1 2026 | 21 |
| Q2 2026 | 23 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.68% |
| Q3 2024 | 10.20% |
| Q4 2024 | 10.14% |
| Q1 2025 | 10.13% |
| Q2 2025 | 9.95% |
| Q3 2025 | 9.62% |
| Q4 2025 | 8.06% |
| Q1 2026 | 8.08% |
| Q2 2026 | 8.31% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.72% |
| Q1 2025 | 2.10% |
| Q2 2025 | 2.48% |
| Q3 2025 | 2.19% |
| Q4 2025 | 5.29% |
| Q1 2026 | 5.53% |
| Q2 2026 | 5.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.06% |
| Q4 2024 | -0.02% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.11% |
| Q4 2025 | -1.01% |
| Q1 2026 | -0.05% |
| Q2 2026 | 0.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 23 | $224.4M | 8.31% | 5.11% | 0.10% | 100.3% |
| Q1 2026 | 21 | $226.8M | 8.08% | 5.53% | -0.05% | 97.6% |
| Q4 2025 | 17 | $227.5M | 8.06% | 5.29% | -1.01% | 100.1% |
| Q3 2025 | 38 | $226.4M | 9.62% | 2.19% | 0.11% | 107.5% |
| Q2 2025 | 37 | $221.3M | 9.95% | 2.48% | 0.04% | 100.3% |
| Q1 2025 | 42 | $219.6M | 10.13% | 2.10% | 0.04% | 98.7% |
| Q4 2024 | 55 | $226.7M | 10.14% | 0.72% | -0.02% | 103.0% |
| Q3 2024 | 58 | $212.2M | 10.20% | 0.45% | 0.06% | 106.9% |
| Q2 2024 | 59 | $206.7M | 10.68% | 0.39% | 0.04% | 107.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blue Grass Savings BankBank Blue Grass, IA | 89 out of 100, Very strong | $225.5M | 14.3% | 0.34% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| Farmers State BankBank Northwood, IA | 74 out of 100, Strong | $221.4M | 12.7% | 0.77% | vs |
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| BankBank Wapello, IA | 60 out of 100, Moderate | $217.4M | 8.7% | 0.78% | vs |
Deposit insurance
Is my money safe at WCF Financial Bank?
Yes. WCF Financial Bank is an FDIC-insured institution (FDIC certificate #28989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.7% of deposits ($41.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.71% (benchmark: 10%).
3 locations
Branches
WCF Financial Bank lists 3 offices in 3 cities. Most locations:
- Independence, IA (1)
- Tama, IA (1)
- Webster City, IA (1)
Identity & history
Profile
- Legal name
- WCF Financial Bank
- Former names
- Webster City Federal Savings and Loan Association; Webster City Federal Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 28989
- RSSD ID
- 935577
- Primary regulator
- FDIC
- Holding company
- Wcf Bcorp Inc
- Established
- June 1, 1934
- Headquarters
- 401 Fair Meadow Dr, Webster City, IA 50595
- Website
- www.wcfbank.com
- Employees
- 30
Quick answers
WCF Financial Bank: common questions
Is WCF Financial Bank FDIC insured?
Yes. WCF Financial Bank is an FDIC-insured institution (FDIC certificate #28989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is WCF Financial Bank's TellerScore?
23 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has WCF Financial Bank ever failed?
There is no failure record for FDIC certificate #28989 in the FDIC failed bank list.
How many branches does WCF Financial Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Webster City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| First BankBank Waverly, IA | 78 out of 100, Strong | $739.9M | 12.7% | 0.54% | vs |