West Central Bank

BankAshland, Illinois
www.westcentralbank.com

Total Assets

$246.5M

Total Deposits

$208.2M

Branches

6

Established

1933

TFS Health Grade

$
D

63.4 / 100

Below average financial health

How we grade

West Central Bank is a bank headquartered in Ashland, Illinois, established in 1933. With $246.5M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D (63.4/100).

Capital & Safety

Tier 1 Capital Ratio
10.95%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.48%

Profitability

Return on Assets (ROA)
1.06%(1%)
Return on Equity (ROE)
13.00%(10%)
Net Interest Margin
3.93%
Efficiency Ratio
64.56%(60%)

Lending & Liquidity

Total Loans
$182.8M
Loan-to-Deposit Ratio
86.87%
Net Charge-Off Ratio
0.47%

Growth

Asset Growth (YoY)
-1.86%
Deposit Growth (YoY)
+4.39%
Net Income
$2.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Illinois