BlastPoint's Banking Scorecard
WCF Financial Bank
Webster City, IA
3 branches across IA
WCF Financial Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35.8% in tier
- - Return on Assets 1.32% below tier average
- - Net Interest Margin 1.43% below tier average
- - Efficiency Ratio 37.07% above tier average
- - Delinquency Rate 4.70% above tier average
- - Non-Interest-Bearing Deposit Share 12.80% below tier average
- - Nonperforming Asset Ratio 3.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.8M
+3.2% YoY
-0.3% QoQ
|
-$159.3M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$172.6M
+3.6% YoY
+0.2% QoQ
|
-$83.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$176.9M
+4.9% YoY
+2.7% QoQ
|
-$151.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
-0.05%
-232.4% YoY
+94.6% QoQ
|
-1.32% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.3% in tier |
| Net Interest Margin ? |
2.50%
-2.0% YoY
+5.5% QoQ
|
-1.43% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio ? |
102.36%
+3.7% YoY
-3.7% QoQ
|
+37.07% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate ? |
5.59%
+163.8% YoY
+4.5% QoQ
|
+4.70% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.6% in tier |
| Loan-to-Deposit Ratio ? |
97.56%
-1.2% YoY
-2.5% QoQ
|
+20.92% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.22%
-0.8% YoY
-26.3% QoQ
|
-12.80% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.3% in tier |
| Nonperforming Asset Ratio ? |
4.25%
+160.5% YoY
+4.6% QoQ
|
+3.62% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.2% in tier |
| Tier 1 Capital Ratio ? |
11.33%
-18.8% YoY
+0.3% QoQ
|
-4.50% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.09%
+6.3% YoY
-76.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.