West Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Central Bank of Ashland, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.94% | 1.35% | -0.41% | 30th below |
| ROAE | 9.76% | 12.05% | -2.29% | 34th below |
| Net Interest Margin | 4.53% | 3.90% | +0.63% | 80th top |
| Efficiency Ratio | 65.95% | 63.15% | +2.80% | 37th below |
| PPNR / Avg Assets | 1.79% | 1.64% | +0.15% | 62nd above |
| Yield on Earning Assets | 5.76% | 5.65% | +0.11% | 57th above |
| Cost of Funds | 1.36% | 1.85% | -0.49% | 77th top |
| Net Interest Spread | 3.95% | 3.35% | +0.60% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.75% | 0.92% | +0.83% | 15th bottom |
| NPA / Total Assets | 1.31% | 0.67% | +0.64% | 14th bottom |
| NCO / Avg Loans | 2.40% | 0.14% | +2.26% | 1st bottom |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 48.04% | 1645.82% | -1597.78% | 10th bottom |
| Texas Ratio | 15.65% | 7.15% | +8.50% | 12th bottom |
| Provision / NCO | 62.79% | 1189.88% | -1127.09% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.95% | 12.46% | -0.51% | 65th above |
| Equity / Assets | 9.80% | 11.67% | -1.87% | 41st below |
| TCE / Tangible Assets | 9.49% | 11.40% | -1.91% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.84% | 78.64% | +5.20% | 43rd below |
| Core Deposit Ratio | 86.83% | 87.09% | -0.26% | 38th below |
| Wholesale Funding Ratio | 0.21% | 5.12% | -4.91% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.63% | 6.48% | -12.11% | 4th bottom |
| Loan Growth (Y/Y) | -5.51% | 7.64% | -13.15% | 6th bottom |
| Deposit Growth (Y/Y) | 1.81% | 6.02% | -4.21% | 34th below |
See West Central Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Central Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Central Bank profile, how to read a UBPR, or how this data updates.