West Central Bank

Overview / Commentary
400 E Buchanan St
Ashland, IL 62612

West Central Bank is headquartered in Ashland and is the 198th largest bank in the state of Illinois. It is also the 2,970th largest bank in the nation. It was established in 1933 and as of September of 2021, it had grown to 44 employees at 6 locations. West Central Bank has an A health rating.


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

FDIC Certificate #10853
Year Established1933
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD10.74%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$221.7MM$198.5MM
LoansQ3 2021vs Q3 2020$136.4MM$146.8MM
DepositsQ3 2021vs Q3 2020$189.3MM$168.3MM
Equity CapitalQ3 2021vs Q3 2020$23.2MM$21.7MM
Loan Loss AllowanceQ3 2021vs Q3 2020$1.4MM$1.2MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$1.9MM$1.8MM
Real Estate OwnedQ3 2021vs Q3 2020$674.00K$796.00K
Report an Issue

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)
0.20%*$50k*-Health Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.10%$100-Savings Account
0.10%--Christmas Club
0.10%--Vacation Club

West Central Bank Money Market Rates

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

West Central Bank Checking Account Rates

0.05%$1.5k-Now Account

West Central Bank CD Rates

0.75%$1k-60 Month CD (5 year)
0.65%$1k-48 Month CD (4 year)
0.55%$1k-36 Month CD (3 year)
0.50%$1k-30 Month Flex CD
0.45%$1k-24 Month CD (2 year)
0.35%$1k-15 Month Flex CD
0.35%$100-15 Month Smart Start CD
0.30%$1k-12 Month CD
0.20%$1k-182 Day CD (6 months)
0.10%$1k-15-90 Day CD
0.10%$1k-91 Day CD (3 months)

West Central Bank IRA Rates

0.65%$25-IRA - 48 Month (Fixed)
0.45%$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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.