Branch Network
West Central Bank Locations & Branches Ashland, Illinois
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West Central Bank operates 6 branches from its headquarters in Ashland, IL, .
West Central Bank branch network
All 6 branches are in ILLINOIS, across 4 cities. Ashland, IL has the most of its branches, 2. Its largest office by deposits is its main office in Ashland, IL, with $81.1M (39.1% of its branch deposits). It had the same number of branches on June 30, 2025.
West Central Bank at a glance
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.
- Total assets, Q2 2026
- $232.2M
- Tier 1 leverage ratio, Q2 2026
- 11.95%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1933
Full financial profile · Is West Central Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ashland, IL (2 branches) | 1 of 1 | 100.0% | $81.1M |
| State: IL (6 branches) | 203 of 379 | <0.1% | $207.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
West Central Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Cass, IL (4 branches) | 2 of 5 | 31.7% | $155.3M | $490.5M |
| Sangamon, IL (1 branch) | 21 of 24 | 0.3% | $31.1M | $9.40B |
| Schuyler, IL (1 branch) | 4 of 4 | 9.4% | $20.7M | $220.3M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Springfield, IL (1 branch) | 22 of 26 | 0.3% | $31.1M | $9.76B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10853) · FFIEC NIC profile (RSSD 920733)