TellerScore

West Central Bank (FDIC certificate #10853) is based in Ashland, Illinois. Its Q2 2026 call report shows $232.2M in total assets and $207.1M in deposits and 6 offices.

West Central Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 252nd. Earnings contributes the most (71/100, 1.28%); loan quality contributes the least (30/100, 2.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.95%
Loan quality30/100
Noncurrent loans ÷ total loans: 2.10%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 83.1% · 21.4% uninsured
Problem-loan coverage70/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (54 → 60), mostly because the capital cushion component improved by 10 points.

TellerScore
485664Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202457
Q4 202458
Q1 202558
Q2 202554
Q3 202548
Q4 202551
Q1 202657
Q2 202660
Tier 1 leverage ratio
5.00%8.47%11.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.36%
Q3 202410.20%
Q4 202410.34%
Q1 202510.69%
Q2 202510.91%
Q3 202510.94%
Q4 202510.95%
Q1 202611.34%
Q2 202611.95%
Noncurrent loans
0.99%1.84%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.99%
Q3 20241.43%
Q4 20241.46%
Q1 20252.02%
Q2 20252.23%
Q3 20252.70%
Q4 20252.48%
Q1 20262.52%
Q2 20262.10%
Return on assets
0.98%1.30%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20240.98%
Q4 20241.11%
Q1 20251.50%
Q2 20251.25%
Q3 20251.03%
Q4 20251.06%
Q1 20261.61%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$232.2M11.95%2.10%1.28%83.1%
Q1 202657$237.9M11.34%2.52%1.61%82.3%
Q4 202551$246.5M10.95%2.48%1.06%86.9%
Q3 202548$247.9M10.94%2.70%1.03%89.3%
Q2 202554$246.1M10.91%2.23%1.25%89.6%
Q1 202558$247.4M10.69%2.02%1.50%90.9%
Q4 202458$251.2M10.34%1.46%1.11%94.2%
Q3 202457$251.2M10.20%1.43%0.98%93.2%
Q2 202464$246.7M10.36%0.99%1.18%95.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.95%
65th
Total risk-based capital0.00%
24th
Problem loans2.10%
12th
Net charge-offs1.43%
1st
Return on assets1.28%
52nd
Net interest margin4.47%
79th
Efficiency ratio62.9%
48th
Loans to deposits83.1%
43rd
Uninsured deposits21.4%
59th
Loan-loss reserves0.84%
14th
Texas ratio15.1%
10th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank of HoffmanBank Hoffman, IL77 out of 100, Strong$232.1M11.9%0.17%vs
Anna-Jonesboro National BankBank Anna, IL65 out of 100, Moderate$234.2M14.6%3.00%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
Eagle Valley BankBank Griggsville, IL72 out of 100, Strong$229.6M10.4%0.60%vs
First Federal Savings and Loan Association of Central Illinois, S.B.Bank Shelbyville, IL69 out of 100, Moderate$235.0M10.7%0.70%vs

Deposit insurance

Is my money safe at West Central Bank?

Yes. West Central Bank is an FDIC-insured institution (FDIC certificate #10853). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.4% of deposits ($44.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

West Central Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, West Central Bank reported 92 home-loan applications under HMDA (LEI 25490076YOMAEM6W0N66): 87 originated ($14,925,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
West Central Bank
Former names
State Bank of Ashland
Type
State-chartered bank
FDIC certificate #
10853
RSSD ID
920733
Primary regulator
FDIC
Holding company
West Central Bancshares Inc
Established
June 12, 1933
Headquarters
400 E Buchanan St, Ashland, IL 62612
Employees
45

Quick answers

West Central Bank: common questions

Is West Central Bank FDIC insured?

Yes. West Central Bank is an FDIC-insured institution (FDIC certificate #10853). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is West Central Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has West Central Bank ever failed?

There is no failure record for FDIC certificate #10853 in the FDIC failed bank list.

How many branches does West Central Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ashland

InstitutionScoreAssetsCapitalProblem loansCompare
Springfield Firefighters Credit UnionCredit union Springfield, IL100 out of 100, Very strong$3.4M16.6%0.00%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Springfield City Employees Credit UnionCredit union Springfield, IL85 out of 100, Very strong$12.8M17.1%0.33%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs