C
WCF Financial Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings WCF Financial Bank
Webster City, IA
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Rating C
Asset Quality Index 5.50
Capitalization Index 7.90
Liquidity Index 1.10
Profitability Index 1.30
Stability Index 5.30
Company Info WCF Financial Bank
Webster City, IA
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FDIC Number 28989
Phone Number (515) 832-3071
Website www.wcfbank.com
Asset Quality WCF Financial Bank
Webster City, IA
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1-Year Asset Growth 6.67%
5-Year Asset Growth 13.70%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 9.03%
Non-Performing Loans to Loans 0.39%
Balance Sheet WCF Financial Bank
Webster City, IA
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Total Assets 226.40M
Total Deposits 160.79M
Capital and Reserves WCF Financial Bank
Webster City, IA
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Capital 20.20M
Leverage Ratio 9.62
Loan Loss Reserves to Loans 0.77%
Risk-Based Capital Ratio 13.95
Liquidity WCF Financial Bank
Webster City, IA
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Hot Money Ratio 49.81%
Liquidity Ratio 9.37%
Profitability WCF Financial Bank
Webster City, IA
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5-Year Return on Average Assets 0.18%
Net Income 192.00K
Net Interest Spread 2.64%
Operating Profit to Average Assets 0.12%
Overhead Efficiency Ratio 94.42%
Return on Assets 0.12%
Return on Equity 1.26%