West Central Bank
Ashland, IL
IDRSSD: 920733
Total Assets
$246.49M
Latest filing
Total Deposits
$208.20M
Latest filing
Net Interest Margin
4.08%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
West Central Bank
400 E Buchanan St
Ashland, IL 62612
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/12/1933FDIC Certificate 6943
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Central Bank (Main) | 400 E Buchanan St | Ashland, IL |
| FREMONT STREET BRANCH | 400 E Buchanan St | Ashland, IL |
| RUSHVILLE BRANCH | 815 W Clinton St | Rushville, IL |
| SPRINGFIELD BRANCH | 3600 Wabash Ave | Springfield, IL |
| BEARDSTOWN IL FACILITY | 1 Plaza Dr | Beardstown, IL |
| BEARDSTOWN BRANCH | 122 S State St | Beardstown, IL |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 42 |
| 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 | 01/30/2026 |
| CERT | 10853 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $246.49M |
| Total Deposits | $208.20M |
| Total Liabilities | $224.04M |
| Total Equity Capital | $22.45M |
| Net Income | $202.00k |
| Net Loans and Leases | $180.85M |
| Assets Per Employee ($Millions) | $5.73M |
| Bank Premises and Fixed Assets | $4.33M |
| Cash and Balances due from Depository Institutions | $7.33M |
| Deposits Held in Domestic Offices | $208.20M |
Key Performance Ratios
| Return on Assets (ROA) | 0.33% |
| Return on Equity (ROE) | 3.59% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 65.46% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.49% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.108% |
| Earning Assets to total Assets | 93.96% |
Income and Expense
| Total Interest Income | $3.36M |
| Total Noninterest Income | $818.00k |
| Total Interest Expense | $978.00k |
| Total Noninterest Expense | $2.08M |
| Net Interest Income | $2.38M |
| Pre-tax Net Operating Income | $202.00k |
| Provision for Credit Losses | $920.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $140.00k |
| Other borrowed funds | $13.99M |
| Federal Funds Sold & Reverse Repurchase Agreement | $877.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.85M |
| Total Liabilities and Capital | $246.49M |
Securities
| Securities | $48.79M |
| Available-for-sale debt securities | $48.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $36.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Central Bank?
$246.49M as of the latest filing.
How much are West Central Bank's total deposits?
$208.20M in total deposits.
Where is West Central Bank located?
Ashland, IL.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
6.
When was it established?
06/12/1933.
What is the Return on Assets (ROA)?
0.33%.
How much are total loans and leases?
$180.85M (latest filing).
What is the total interest income (latest filing)?
$3.36M.