Total Assets
$246M
Total balance-sheet footings
FDIC Cert #10853 · Ashland, Illinois · Est. 1933
West Central Bank - FDIC Bank Health Profile
A community-scale look at West Central Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $246M
- Total assets
- B
- Health grade · Good
- 1.06%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
West Central Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.95% Tier 1, profitable at 1.06% ROA, 65% efficiency ratio.
- #2,752
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 10.95%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How West Central Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Central Bank's composite health score
Tier 1 Capital Ratio (10.95%) 28/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (18.59%) 10/20
Efficiency Ratio (64.56%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$208M
Customer-funded liabilities
Net Loans
$181M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Central Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Central Bank's score of 66/100 falls in the highlighted band.
West Central Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). West Central Bank's $246M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.95%
Texas Ratio
18.59%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
13.00%
Efficiency Ratio
64.56%
What the numbers say about West Central Bank
West Central Bank is an FDIC-insured institution (Certificate #10853) headquartered in Ashland, Illinois, established in 1933. It holds $246M in total assets - 2,752nd of 4,313 FDIC-insured banks, $208M in customer deposits, and $181M in net loans. On safety, its Tier 1 capital ratio of 10.95% is above the 10% well-capitalized threshold, and its Texas Ratio of 18.59% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, West Central Bank ranks 177th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Central Bank reports a Texas Ratio of 18.59% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Central Bank (FDIC Cert #10853) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is West Central Bank's health grade?▼
West Central Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is West Central Bank?▼
West Central Bank holds $246M in total assets and $208M in deposits, ranking 2,752nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Ashland, Illinois.
Is my money safe at West Central Bank?▼
Yes, deposits at West Central Bank (Certificate #10853) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Central Bank's Tier 1 Capital Ratio?▼
West Central Bank has a Tier 1 Capital Ratio of 10.95%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for West Central Bank?▼
West Central Bank has a Texas Ratio of 18.59%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is West Central Bank?▼
West Central Bank has an Efficiency Ratio of 64.56%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Central Bank's profile as a depositor or analyst.
- West Central Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Central Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.