WCF Financial Bank
Webster City, IA
IDRSSD: 935577
Total Assets
$227.49M
Latest filing
Total Deposits
$172.23M
Latest filing
Net Interest Margin
1.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
WCF Financial Bank
401 Fair Meadow Dr
Webster City, IA 50595
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1934FDIC Certificate 41823
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| WCF Financial Bank (Main) | 401 Fair Meadow Dr | Webster City, IA |
| 305 FIRST STREET WEST BRANCH | 305 1st St W | Independence, IA |
| TAMA BRANCH | 1998 Mcclellan St | Tama, IA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50595 |
| State and County Number | 19079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.wcfbank.com |
| Data Updated | 01/30/2026 |
| CERT | 28989 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $227.49M |
| Total Deposits | $172.23M |
| Total Liabilities | $209.92M |
| Total Equity Capital | $17.57M |
| Net Income | $-2,455,000 |
| Net Loans and Leases | $172.33M |
| Assets Per Employee ($Millions) | $7.58M |
| Bank Premises and Fixed Assets | $6.61M |
| Cash and Balances due from Depository Institutions | $4.88M |
| Deposits Held in Domestic Offices | $172.23M |
Key Performance Ratios
| Return on Assets (ROA) | -4.33% |
| Return on Equity (ROE) | -52% |
| Net Interest Margin | 1.59% |
| Efficiency Ratio | 162.07% |
| Tier 1 Risk-Based Capital Ratio | 11.299% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.65% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.724% |
| Earning Assets to total Assets | 92.43% |
Income and Expense
| Total Interest Income | $2.44M |
| Total Noninterest Income | $186.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $1.63M |
| Net Interest Income | $821.00k |
| Pre-tax Net Operating Income | $-2,126,000 |
| Provision for Credit Losses | $1.50M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $34.00k |
| Other borrowed funds | $35.49M |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.49M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.19M |
| Total Liabilities and Capital | $227.49M |
Securities
| Securities | $25.47M |
| Available-for-sale debt securities | $25.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of WCF Financial Bank?
$227.49M as of the latest filing.
How much are WCF Financial Bank's total deposits?
$172.23M in total deposits.
Where is WCF Financial Bank located?
Webster City, IA.
What is the Net Interest Margin?
1.59%.
How many domestic offices does it operate?
3.
When was it established?
06/01/1934.
What is the Return on Assets (ROA)?
-4.33%.
How much are total loans and leases?
$172.33M (latest filing).
What is the total interest income (latest filing)?
$2.44M.