BlastPoint's Banking Scorecard
WCF Financial Bank
Micro
Specialty: Agricultural
IA
FDIC cert 28989
Designations: ✓ Community bank
Webster City, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
WCF Financial Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.53% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.09% below tier
- - Net Interest Margin 1.49% below tier
- - Efficiency Ratio 38.57% above tier
- - Delinquency Rate 4.71% above tier
- - Nonperforming Asset Ratio 3.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.5M
+0.4% YoY
+0.5% QoQ
|
+$10.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$172.3M
+3.3% YoY
-0.3% QoQ
|
+$33.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$172.2M
+6.4% YoY
+7.1% QoQ
|
-$11.4M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
-1.01%
-980.9% QoQ
|
-2.09% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.37%
-2.0% YoY
-10.3% QoQ
|
-1.49% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
106.29%
+7.7% YoY
+12.6% QoQ
|
+38.57% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
5.35%
+635.5% YoY
+142.4% QoQ
|
+4.71% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
100.06%
-2.9% YoY
-6.9% QoQ
|
+25.53% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.51%
-14.7% YoY
+38.0% QoQ
|
-9.89% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
4.07%
+659.7% YoY
+137.2% QoQ
|
+3.61% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.30%
-17.7% YoY
-13.7% QoQ
|
+2.45% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.40%
+4.2% YoY
+24.8% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
100.06%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (5)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-1.01%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.37%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
106.29%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.35%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.07%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.06% · Tier avg: 74.53%
67
67th pctile
Total Loans
Current: $172.3M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $227.5M · Tier avg: $217.5M
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 8.85%
52
52th pctile
Total Deposits
Current: $172.2M · Tier avg: $183.7M
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.51% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
3
3th pctile
Efficiency Ratio
Current: 106.29% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -1.01% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 5.35% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.07% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.07% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.35% · Tier avg: 0.64%
3
3th pctile
Return on Assets
Current: -1.01% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 106.29% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.51% · Tier avg: 22.39%
52
52th pctile
Total Deposits
Current: $172.2M · Tier avg: $183.7M
56
56th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
57
57th pctile
Total Assets
Current: $227.5M · Tier avg: $217.5M
67
67th pctile
Total Loans
Current: $172.3M · Tier avg: $139.2M
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.06% · Tier avg: 74.53%