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Overview / Commentary
217-476-3325
400 E Buchanan
Ashland, IL 62612

West Central Bank is headquartered in Ashland and is the 210th largest bank in the state of Illinois. It is also the 3,086th largest bank in the nation. It was established in 1933 and as of September of 2017, it had grown to 62 employees at 6 locations. West Central Bank has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #10853
Year Established1933
Employees62
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD5.56%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$188.4MM$192.9MM
LoansQ3 2017vs Q3 2016$155.9MM$152.7MM
DepositsQ3 2017vs Q3 2016$168.6MM$173.4MM
Equity CapitalQ3 2017vs Q3 2016$18.3MM$18.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.2MM$1.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$275.00K$424.00K
Real Estate OwnedQ3 2017vs Q3 2016$346.00K$1.5MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%$25-IRA (Variable)
0.40%*$50k*-Health Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.20% $25k - $50k
0.15%$100-Savings Account
0.15%--Christmas Club
0.15%--Vacation Club

West Central Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Platinum Money Market
OTHER TIERS: 0.15% $10k - $25k | 0.20% $25k - $50k
0.15%$2,500-Money Market Account

West Central Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1,500-Now Account

West Central Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%$1k-60 Month CD (5 year)
1.21%$1k-48 Month CD (4 year)
1.06%$1k-36 Month CD (3 year)
1.01%$1k-30 Month Flex CD
0.75%$1k-24 Month CD (2 year)
0.70%$1k-15 Month Flex CD
0.70%$100-15 Month Smart Start CD
0.50%$1k-12 Month CD
0.30%$1k-182 Day CD (6 months)
0.20%$1k-91 Day CD (3 months)
0.15%$1k-15-90 Day CD

West Central Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$25-IRA - 48 Month (Fixed)
0.75%$25-IRA - 24 Month (Fixed)
Locations


West Central Bank Locations
Beardstown Branch122 South State StreetBeardstown, IL 62618
West Central Bank400 E BuchananAshland, 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