Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	06/12/1933
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	62612
State and County Number	17017
Subchapter S Corporations	Yes
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	07
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Chicago
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	44
Domestic Offices	6
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	www.westcentralbank.com
Data Updated	11/14/2025
CERT	10853
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$248.43M
Total Deposits	$204.46M
Total Liabilities	$225.90M
Total Equity Capital	$0
Net Income	$874.00k
Net Loans and Leases	$183.00M
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

Total Interest Income	$3.32M
Total Noninterest Income	$722.00k
Total Interest Expense	$1.02M
Total Noninterest Expense	$2.00M
Net Interest Income	$2.30M
Pre-tax Net Operating Income	$0
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities	$0
Available-for-sale debt securities	$0
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of West Central Bank?

$248.43M as of the latest filing.

How much are West Central Bank's total deposits?

$204.46M in total deposits.

Where is West Central Bank located?

Ashland, IL.

What is the Net Interest Margin?

Not available.

How many domestic offices does it operate?

When was it established?

06/12/1933.

What is the Return on Assets (ROA)?

Not available.

How much are total loans and leases?

$183.00M (latest filing).

What is the total interest income (latest filing)?

$3.32M.