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West Central Bank
Ashland, IL · FDIC Certificate #10853 · Chartered 06/1
Total assets
$232.24M
Total deposits
$207.12M
Total equity
$22.76M
Net loans
$172.19M
Branches (offices)
6
Net income (YTD)
$1.53M
Rank: #2,800 of 4,213 U.S. banks by assets · #180 of 322 in Illinois. Assets changed -5.6% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 13.54% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 9.80% |
| Tier 1 leverage ratio | 11.95% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 2.10% |
| Net charge-offs (share of loans) | 1.43% |
| Loans to deposits | 83.1% |
| Real estate loans (share of loans) | 71.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $123.60M | 71.8% | |
| Commercial & industrial | $25.22M | 14.6% | |
| Consumer / individual | $12.33M | 7.2% | |
| Construction & development | $6.30M | 3.7% | |
| Agricultural | $12.35M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $222.33M | $203.97M | $1.10M | $15.11M |
| Jun 2023 | $232.28M | $184.90M | $1.30M | $15.39M |
| Jun 2024 | $246.68M | $191.01M | $1.44M | $17.04M |
| Jun 2025 | $246.10M | $203.43M | $1.55M | $19.70M |
| Jun 2026 | $232.24M | $207.12M | $1.53M | $22.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $207.12M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $207.12M.
Similar-sized banks
Taylorsville Savings Bank, SSB ($232.38M) · Andover State Bank ($232.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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