WEST CENTRAL BANK

ASHLAND, IL | Small | Est. June 12, 1933, midnight | FDIC #10853 | RSSD #920733 | FDIC
Latest Report: 2025-12-31

WEST CENTRAL BANK is asn small FDIC-insured commercial bank headquartered in ASHLAND, IL, established in June 12, 1933, midnight. As of 2025-12-31, the bank reported total assets of $246M and total deposits of $208M. Profitability stands at 0.33% ROA and 3.59% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 8.46%. Asset quality metrics show a non-performing loan ratio of 2.26% and a Texas Ratio of 17.52%. FDIC Certificate #10853.

Assets

$246M

Deposits

$208M

Loans

$183M

Equity

$22M

Profitability

Return on Assets (ROA) 0.33%
Return on Equity (ROE) 3.59%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.90%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 2.26%
Net Charge-Off Ratio 0.48%
Texas Ratio 17.52%
NPA Ratio 1.73%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 8.46%
Tier 1 Capital 8.46%
Total Capital Ratio 8.89%
Leverage Ratio 10.95%
Loan-to-Deposit 87.79%

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