West Central Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Net charge-off ratio: 1.90 percentage points higher than in Q1 2026, at 2.40%. West Central Bank ranks 212th of 323 Illinois banks on return on assets, in the lower half at 0.94% (Q2 2026). West Central Bank reported 0.94% on return on assets for Q2 2026, 0.31 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 9.80% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.75% |
| Non-performing assets ratio | 1.31% |
| Net charge-off ratio | 2.40% |
| Texas ratio | 15.65% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 48.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 9.76% |
| Net interest margin | 4.53% |
| Efficiency ratio | 65.95% |
| Yield on earning assets | 5.76% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.84% |
| Core deposits to total deposits | 86.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.19% |
| Securities to assets | 20.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.26% | 1.43% | 3.28% | 0.35% | -0.01% |
| Q4 2023 | 10.10% | 1.00% | 3.25% | 0.34% | 0.21% |
| Q1 2024 | 10.10% | 1.05% | 3.25% | 0.27% | 0.02% |
| Q2 2024 | 10.36% | 1.31% | 3.25% | 0.59% | 0.54% |
| Q3 2024 | 10.20% | 0.58% | 3.36% | 0.55% | 0.06% |
| Q4 2024 | 10.34% | 1.48% | 3.46% | 0.53% | 0.11% |
| Q1 2025 | 10.69% | 1.51% | 3.68% | 0.67% | 0.34% |
| Q2 2025 | 10.91% | 1.00% | 3.83% | 0.64% | 0.09% |
| Q3 2025 | 10.94% | 0.61% | 3.85% | 1.28% | 0.71% |
| Q4 2025 | 10.95% | 1.14% | 4.02% | 2.26% | 0.76% |
| Q1 2026 | 11.34% | 1.60% | 4.17% | 2.40% | 0.50% |
| Q2 2026 | 11.95% | 0.94% | 4.53% | 1.75% | 2.40% |
West Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Central Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full West Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10853) · FFIEC NIC profile (RSSD 920733)