WCF FINANCIAL BANK

WEBSTER CITY, IA · Supervised by FDIC

Est. 1934FDIC #28,989RSSD: FDIC-28989

Part ofWCF BCORP INC→ View all charters

Satisfactory

Current rating · Exam: December 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.05%

Institution Profile

FDIC BankFind

Website

www.wcfbank.com

Address

401 Fair Meadow Dr, WEBSTER CITY, IA

County

Hamilton County

Established

June 1, 1934

Total Assets

$227M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$227M

Total Deposits

$177M

Net Loans

$173M

Net Income

$-31K

ROA

-0.05%

ROE

-0.71%

Risk-Based Capital

12.57%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$166M

1-Year Change

5-year net change: +1 branches

This is the only examination on record for this bank.

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