West Central Bank

Overview / Commentary
400 E Buchanan
Ashland, IL 62612

West Central Bank is headquartered in Ashland and is the 204th largest bank in the state of Illinois. It is also the 3,043rd largest bank in the nation. It was established in 1933 and as of June of 2020, it had grown to 46 employees at 6 locations. West Central Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #10853
Year Established1933
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD9.46%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$195.8MM$183.1MM
LoansQ2 2020vs Q2 2019$147.0MM$150.3MM
DepositsQ2 2020vs Q2 2019$166.0MM$155.4MM
Equity CapitalQ2 2020vs Q2 2019$21.3MM$19.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.2MM$977.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.5MM$587.00K
Real Estate OwnedQ2 2020vs Q2 2019$398.00K$716.00K
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Always verify rates and promotions with the bank or credit union. We are not West Central Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

West Central Bank Savings Account Rates

0.55%$25-IRA (Variable)
0.30%*$50k*-Health Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.20% $25k - $50k
0.10%$100-Savings Account
0.10%--Christmas Club
0.10%--Vacation Club

West Central Bank Money Market Rates

0.30%*$50k*-Platinum Money Market
OTHER TIERS: 0.20% $10k - $25k | 0.25% $25k - $50k
0.15%$2.5k-Money Market Account

West Central Bank Checking Account Rates

0.10%$1.5k-Now Account

West Central Bank CD Rates

0.80%$1k-60 Month CD (5 year)
0.75%$1k-48 Month CD (4 year)
0.65%$1k-36 Month CD (3 year)
0.55%$1k-30 Month Flex CD
0.50%$1k-24 Month CD (2 year)
0.45%$1k-15 Month Flex CD
0.45%$100-15 Month Smart Start CD
0.35%$1k-12 Month CD
0.25%$1k-182 Day CD (6 months)
0.15%$1k-15-90 Day CD
0.15%$1k-91 Day CD (3 months)

West Central Bank IRA Rates

0.75%$25-IRA - 48 Month (Fixed)
0.50%$25-IRA - 24 Month (Fixed)

West Central Bank Locations
Beardstown Branch122 South State StreetBeardstown, IL 62618
West Central Bank400 E Buchanan StAshland, IL 62612
Springfield Branch3600 Wabash AvenueSpringfield, IL 62711
Rushville BranchU.S. Routes 24 and 67Rushville, IL 62681
Beardstown Il Facility1 Plaza DriveBeardstown, IL 62618
Fremont Street BranchSylvan and Fremont StreetsAshland, IL 62612

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