BlastPoint's Banking Scorecard

WCF Financial Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 28989

Webster City, IA

3 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits +4.4% year over year ($173.7M on the books).
Delinquency rate 5.17%.
Return on assets 0.10%.
Efficiency ratio 95.25% vs a 64.48% peer average.
Loan-to-deposit ratio 100.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

WCF Financial Bank faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 32.1% in tier
- Liquidity Strain: Bottom 47.6% in tier
- Return on Assets 1.22% below tier average
- Net Interest Margin 1.27% below tier average
- Efficiency Ratio 30.77% above tier average
- Delinquency Rate 4.25% above tier average
- Nonperforming Asset Ratio 3.35% above tier average

Get updates when WCF Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$224.4M +1.4% YoY -1.1% QoQ	-$162.2M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$174.3M +4.5% YoY +1.0% QoQ	-$84.1M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$173.7M +4.4% YoY -1.8% QoQ	-$153.0M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.10% +153.9% YoY +279.8% QoQ	-1.22%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Bottom 4.3% in tier
Net Interest Margin ?	2.71% +5.1% YoY +8.6% QoQ	-1.27%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	95.25% -2.9% YoY -6.9% QoQ	+30.77%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Bottom 3.1% in tier
Delinquency Rate ?	5.17% +106.8% YoY -7.4% QoQ	+4.25%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Bottom 2.4% in tier
Loan-to-Deposit Ratio ?	100.34% +0.1% YoY +2.9% QoQ	+22.39%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 9.8% in tier
Non-Interest-Bearing Deposit Share ?	6.24% -25.9% YoY -32.4% QoQ	-15.79%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 5.0% in tier
Nonperforming Asset Ratio ?	4.02% +110.1% YoY -5.5% QoQ	+3.35%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 1.7% in tier
Tier 1 Capital Ratio ?	11.46% -16.8% YoY +1.2% QoQ	-4.45%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.20% +5.8% YoY +110.2% QoQ	-0.37%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Noninterest-Bearing	6.2% -2.2pp YoY -3.0pp QoQ	-15.9pp	22.1%	17.8%	22.2%	4%
Brokered Deposits	15.2% +1.2pp QoQ	+7.3pp	7.9%	6.0%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	5.3% -0.5pp YoY +0.2pp QoQ	-6.3pp	11.6%	12.8%	12.5%	21%
CRE	11.5% +0.9pp YoY -0.3pp QoQ	-28.0pp	39.5%	28.3%	41.4%	6%
1-4 Family	48.1% +1.2pp YoY 0.0pp QoQ	+15.4pp	32.6%	23.0%	31.3%	80%
Consumer	4.1% -0.4pp YoY 0.0pp QoQ	0.0pp	4.1%	2.9%	5.0%	71%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	11.5% -2.3pp YoY +0.1pp QoQ	-7.4pp	18.8%	15.4%	19.7%	12%
Leverage Ratio	8.3% -1.6pp YoY +0.2pp QoQ	-3.9pp	12.2%	12.4%	12.6%	4%
Total Capital Ratio	12.7% -1.9pp YoY +0.1pp QoQ	-7.2pp	19.9%	16.5%	20.8%	13%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	30 0 YoY 0 QoQ	-29	58	64	482	26%
Assets per Employee ($)	$7.5M +1.4% YoY -1.1% QoQ	-$39K	$7.5M	$8.9M	$8.8M	60%
Branch Count	3 0 YoY 0 QoQ	-2	4	5	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -2.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	43%
Nonaccrual	5.1% +4.9pp YoY -0.4pp QoQ	+4.2pp	0.9%	1.0%	1.0%	98%
Allowance Coverage	0.22x -29.5% YoY +8.9% QoQ	-23.93x	24.15x	18.97x	20.23x	2%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	1.3% +0.8pp YoY +2.0pp QoQ	-10.9pp	12.2%	12.8%	11.6%	5%
Cost of Funds (YTD)	2.9% -0.2pp YoY 0.0pp QoQ	+1.1pp	1.7%	1.8%	1.7%	96%
Net Income ($, YTD)	$111,000 +158.1% YoY — QoQ	-$2.4M	$2.6M	$4.0M	$40.4M	4%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline

#53 of 162 • Bottom 32.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 6.24%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Liquidity Strain

risk

#330 of 691 • Bottom 47.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.34%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2599

Nonperforming Asset Ratio

credit_quality

Value: 4.02%

Peer Median: 0.67%

#2599 of 2643 Bottom 1.7% in $100M-$1B

2570

Delinquency Rate

credit_quality

Value: 5.17%

Peer Median: 0.92%

#2570 of 2633 Bottom 2.4% in $100M-$1B

2562

Efficiency Ratio

profitability

Value: 95.25%

Peer Median: 64.48%

#2562 of 2643 Bottom 3.1% in $100M-$1B

2530

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.32%

#2530 of 2643 Bottom 4.3% in $100M-$1B

2513

Non-Interest-Bearing Deposit Share

funding

Value: 6.24%

Peer Median: 22.03%

#2513 of 2643 Bottom 5.0% in $100M-$1B

2512

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.99%

#2512 of 2643 Bottom 5.0% in $100M-$1B

2385

Loan-to-Deposit Ratio

liquidity

Value: 100.34%

Peer Median: 77.95%

#2385 of 2643 Bottom 9.8% in $100M-$1B