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 West Central Bank
West Central Bank
| RSSD ID 920733 | CERTIFICATE 10853 | ABA NUMBER 71108326 |
| 400 E Buchanan St |
Quarter Ended : |
2025-09-30 |
| Ashland, Illinois, 62612 |
Updated : |
2025-10-30 |
| www.westcentralbank.com |
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| Institution Profile |
| Year Opened : |
1933 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
6 |
Number of Employees : |
42 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 248,431 |
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Total Interest Income | 9,856 |
| Total Liabilities | 225,897 |
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Total NonInterest Income | 2,039 |
| Total Bank Equity Capital | 22,534 |
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Total Interest Expense | 3,062 |
| Total Deposits | 204,456 |
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Total NonInterest Expense | 5,809 |
| Net Loans & Leases | 182,996 |
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Net Income | 2,420 |
| Loan Loss Allowance | 1,358 |
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Net Charge Offs | 525 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 183,997 |
| Total assets for the leverage ratio | 245,114 |
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Loans secured by real estate: | 134,330 |
| Tier 1 Leverage Ratio | 11.15 |
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Commercial and industrial loans | 21,927 |
| Off Balance Sheet Exposures (%) | 13.17 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 16,576 |
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:· West Central Bank
