On September 1, 2025 the Webster City branch hours will be changing. Please see below on the home page for details. The Independence and Tama branch hours will remain the same.
A personal loan from WCF Financial Bank can finance your needs, wants and everything in between.
Our helpful and experienced lenders will customize a loan especially for you and walk you through every step of the way. Best of all, decisions are made locally and quickly.
Contact one of our personal lenders today to learn more about what we have to offer!
Types of Personal Loans
Mortgages (see below!)
Home equity loans
Home equity lines of credit (HELOCs)
Construction loans
Land/lot loans
Car loans
Installment loans for RVs, UTVs, boats, snowmobiles and other recreational vehicles
With 6 years of insurance experience, 7 years in business and 15 years in banking under his belt, Brad is well-positioned to serve WCF’s clients as vice president of lending. A self-described straight talker, he is committed to making the lending process efficient and smooth. Brad earned a bachelor’s degree in finance and mathematics from Loras College. He pitched for men’s fastpitch softball for 20 years, including at the world tournament in Eau Claire, Wisconsin. When he’s not busy with work, you might find him in a duck blind or out fishing with his two beautiful children.
Julie began her career with Webster City Federal in 1998 as a teller and has built a long-standing career in banking ever since. With nearly three decades of experience across many areas of the bank, she continues to bring dedication and heart to everything she does. While the industry has evolved over the years, Julie’s passion for helping others has remained a constant.
A lifelong resident of Webster City, Julie lives there with her husband, Dale. She’s the proud mother of two grown sons, Nicholas and Brett, and a proud grandma to her grandson, Reed. Julie is an active member of St. Thomas Aquinas Catholic Church and serves her ministry in many meaningful ways. In her free time, she enjoys running, biking, skiing, and spending quality time with family and friends.
Senior Vice President / Independence Market President
Stephanie began her career with WCF Financial Bank in 2002 while attending Webster City High School. Over the years, she has held a variety of roles, starting in the Webster City office before transitioning to the Independence branch. Today, she serves as Market President in Independence and is a key member of the bank’s Executive Team, responsible for leading growth initiatives and overseeing operations in that market.
A dedicated lender and mentor, Stephanie plays a vital role in employee development and training across the organization. She earned her Bachelor’s Degree in Business Administration from Buena Vista University and later completed the Graduate School of Banking at the University of Wisconsin–Madison. Her commitment to leadership excellence is further reflected in her certifications from the Wisconsin School of Business and the Iowa Bankers Association.
In 2021, Stephanie was recognized as one of six recipients of BankBeat Magazine’s prestigious Outstanding Women in Banking award. She and her husband reside in Independence, where they are actively involved in their children’s activities and community service, including her role as Treasurer for Relay for Life.
Catlin brings a strong agricultural background and years of leadership experience to his role as Ag and Commercial Loan Officer at WCF. He works closely with ag producers and business clients to develop lasting relationships, analyze financials, and support a full range of business banking products. Catlin also assists with deposit services and is committed to helping clients manage risk and grow their operations.
Raised on a first-generation family farm northeast of Independence, Catlin understands the challenges and rewards of ag life. His career began in ag retail, where he advanced through several leadership roles at IAS, eventually managing multiple locations and helping implement a centralized agronomy dispatch system. In 2021, he was promoted to lead the new Masonville greenfield site, consolidating operations across three locations.
Since joining the bank in June 2025, Catlin has brought the same customer-first mindset to lending that guided his success in ag retail. He believes banking should feel like a partnership—when clients thrive, so does the bank and the community.
Catlin lives just half a mile from the family farm with his wife Kaity and their five children: Nolan, Lydia, Vicki, Everly, and Preston. He enjoys live music, hiking, family vacations, and helping on the farm alongside his dad, brother-in-law, and son.
Kelly J. SmithSenior Vice President / Tama Market President / Senior Loan OfficerTama(641) 484-2078
Email Kelly
SmithNMLS ID: 535722
Meet Kelly J. Smith
Senior Vice President / Tama Market President / Senior Loan Officer
Kelly has served within the banking industry for the past 26 years, performing all aspects of lending and managing banking functions. He currently serves WCF in a variety of roles, including senior vice president as well as market president and senior loan officer for Tama/Toledo operations. Kelly earned a bachelor’s degree in finance at Buena Vista University and a master’s degree from the Graduate School of Banking in Madison, Wisconsin. He is a part of the Region 6 Housing Trust Board. He enjoys spending time with family and friends, golfing, hunting and doing just about anything outdoors.
With 19 years of banking experience and the ability to help in all areas of the bank, Lesa can help Tama area customers with most all their banking needs. Lesa’s role is Customer Service meaning one may find her opening a new account, closing a loan, or processing a deposit for customers. Lesa earned her bachelor’s degree in banking and finance from Buena Vista University and holds a professional designation from the Iowa Bankers Consumer and Compliance School. She is active in her community through volunteering at the Wieting Theater. Lesa enjoys shopping, boating, skiing, and being active with her family and friends.
