West Central Bank
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Data as of · sourced from FFIEC call reports. How we update
West Central Bank is an FDIC-insured commercial bank headquartered in Ashland, IL, established in 1933 (FDIC certificate 10853), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $232.2M, down 5.6% from Q2 2025, the 178th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10853
- Headquarters
- Ashland, IL
- Established
- 1933
- Total assets, Q2 2026
- $232.2M
- Assets vs Q2 2025
- -5.6%
- Tier 1 leverage ratio, Q2 2026
- 11.95%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071108326
- Holding company
- WEST CENTRAL BANCSHARES, INC.
- Asset rank in state
- 178th of 319 in Illinois
West Central Bank, based in Ashland, Illinois, reported $232 million in assets at June 30, 2026, down 5.6% from a year earlier. It carries problem assets equal to 15.6% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 5.5% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Its $25 million commercial and industrial book is improving, with 3.19% past due or on nonaccrual, down from 9.54% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 5.5% and deposits rose 1.8%.
As of June 30, 2026, West Central Bank reported a return on assets of 0.94%, a nonperforming-loan ratio of 2.10% and a Texas ratio of 15.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, West Central Bank is the 178th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $232.2M, loans fell 1.8% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.6% of total loans, ahead of commercial and industrial loans at 14.5%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Ashland 2 offices book 39% of its branch deposits. On its Q2 2026 call report, West Central Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 E Buchanan St, Ashland, IL 62612
- County
- Cass
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 12, 1933
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $207.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $235.2M
- Average total loans
- $175.1M
- Average interest-bearing deposits
- $156.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10853
- Fed RSSD
- 920733
- Website
- www.westcentralbank.com →
- Parent Holding Company
- WEST CENTRAL BANCSHARES, INC. (RSSD 1129944)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, West Central Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, West Central Bank's total assets ran between $232.2M (Q2 2026) and $251.2M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$232.2M total assets against $246.1M; $209.5M total liabilities against $226.4M.
$172.2M net loans and leases against $182.2M; $207.1M total deposits against $203.4M.
$46.5M securities against $47.8M; $5.5M cash and balances due against $7.5M.
$3.3M total interest income against $3.3M; $712K total interest expense against $1.0M.
$2.6M net interest income against $2.3M.
$670K total noninterest income against $679K; $2.2M total noninterest expense against $1.9M.
$500K provision for credit losses against $400K.
$553K net income against $611K.
0.94% return on assets against 1.00%; 4.53% net interest margin against 3.83%.
11.95% tier 1 leverage ratio against 10.91%.
Inside the full West Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWest Central Bank rankings
Its closest position to the top of a national ranking is 284 of 3,640, for Texas Ratio; its furthest is 2,636 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q3 2024) to 1.60% (Q1 2026) and its net interest margin ran from 3.36% (Q3 2024) to 4.53% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 0.94% | 2.10% | 15.65% | 4.53% |
| Q1 2026 | 11.34% | 1.60% | 2.52% | 19.03% | 4.17% |
| Q4 2025 | 10.95% | 1.14% | 2.48% | 19.87% | 4.02% |
| Q3 2025 | 10.94% | 0.61% | 2.70% | 21.88% | 3.85% |
| Q2 2025 | 10.91% | 1.00% | 2.23% | 20.10% | 3.83% |
| Q1 2025 | 10.69% | 1.51% | 2.02% | 19.06% | 3.68% |
| Q4 2024 | 10.34% | 1.48% | 1.46% | 15.11% | 3.46% |
| Q3 2024 | 10.20% | 0.58% | 1.43% | 13.33% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Central Bank (main office) | Ashland , IL | 62612 | $81.1M |
| Beardstown Branch | Beardstown , IL | 62618 | $74.2M |
| Springfield Branch | Springfield , IL | 62711 | $31.1M |
| Rushville Branch | Rushville , IL | 62681 | $20.7M |
| Fremont Street Branch | Ashland , IL | 62612 | $0 |
| Beardstown Il Facility | Beardstown , IL | 62618 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 3, 2009 | Structure Change | Acquired First State Bank of Beardstown, Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 203 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 87 loans originated, $14.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.0M approved, $664K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about West Central Bank
What are West Central Bank's total assets?
As of the Q2 2026 filing, West Central Bank reported total assets of $232.2 million in its FFIEC call report.
Where is West Central Bank headquartered?
It is headquartered in Ashland, IL, United States.
When was West Central Bank founded?
It was established in 1933, per the FDIC institution directory.
Is West Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10853). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Central Bank?
West Central Bank's primary federal regulator is the FDIC.
How many branches does West Central Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Central Bank's Texas Ratio?
Its Texas Ratio is 15.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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