Wcf Financial Bank (FDIC #28989): Bank Stress & Real-Estate Credit Exposure

Wcf Financial Bank (FDIC Cert #28989): bank stress 96/100, severe, STABLE over 7 days; parent WCF BCORP INC.

Wcf Financial Bank (#28989) lends in 3 counties across 1 state; Wcf Financial Bank (#28989) reaches 50 ZIP codes: Iowa 3 counties, 50 ZIPs.

Wcf Financial Bank (#28989) largest markets: Tama County, IA (19 branches, 19 ZIPs) (#28989), Buchanan County, IA (16 branches, 16 ZIPs) (#28989), Hamilton County, IA (15 branches, 15 ZIPs) (#28989).

Wcf Financial Bank (#28989) reports $224.4 million in total assets; Wcf Financial Bank (#28989) equity $17.6 million (7.9% of Wcf Financial Bank (#28989) assets); Wcf Financial Bank (#28989) domestic deposits $173.7 million; Wcf Financial Bank (#28989) net income $111,000; Wcf Financial Bank (#28989) return on assets 0.10%; Wcf Financial Bank (#28989) return on equity 1.26%; Wcf Financial Bank (#28989) net interest income $2.8 million; Wcf Financial Bank (#28989) call report June 30, 2026.

Wcf Financial Bank (#28989) noncurrent real-estate loans: none reported; Wcf Financial Bank (#28989) net charge-offs on real estate 3.48%.

Wcf Financial Bank (#28989) net interest margin 2.71% against an eight-quarter Wcf Financial Bank (#28989) average of 2.52% (Wcf Financial Bank (#28989) compression -0.19 points); Wcf Financial Bank (#28989) rate-exposure score 40/100, Wcf Financial Bank (#28989) fixed-rate trap 40/100; Wcf Financial Bank (#28989) risk type credit driven; Wcf Financial Bank (#28989) rate regime rates elevated, Wcf Financial Bank (#28989) snapshot October 19, 2026.

Wcf Financial Bank (#28989) stress score moved from 96.6 on June 22, 2026 to 96 on October 19, 2026; Wcf Financial Bank (#28989) ranged 96 to 96.6 over 116 snapshots.

Wcf Financial Bank (#28989) alerts: 3 counties; top Wcf Financial Bank (#28989) alert scores: Tama County, IA 58 (elevated); Independence County, IA 30 (low); Webster City County, IA 30 (low).