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West Central Bank

West Central Bank is an FDIC insured institution headquartered at 400 E Buchanan St, Ashland, IL 62612.
It was founded in 1933 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.15%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.30%	$10,000	Compare
6 Mo CD	0.30%	$100,000	Compare
12 Mo CD	0.40%	$10,000	Compare
12 Mo CD	0.40%	$100,000	Compare
24 Mo CD	0.55%	$10,000	Compare
24 Mo CD	0.55%	$100,000	Compare
30 Mo CD	0.65%	$10,000	Compare
30 Mo CD	0.65%	$100,000	Compare
36 Mo CD	0.70%	$10,000	Compare
36 Mo CD	0.70%	$100,000	Compare
48 Mo CD	0.80%	$10,000	Compare
48 Mo CD	0.80%	$100,000	Compare
60 Mo CD	0.85%	$10,000	Compare
60 Mo CD	0.85%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.15%	$2,500	Compare
Money Market	0.20%	$10,000	Compare
Money Market	0.25%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.10%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 10853
Date Established	1933
Assets	$ 246.49 million
Loans	$ 180.85 million
Deposits	$ 208.20 million
Capital	$ 22.45 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 7.33 million
Interest-bearing balances	$ 1.08 million
Total securities	$ 48.79 million
Federal funds sold and reverse repurchase	$ 0.88 million
Net loans and leases	$ 180.85 million
Loan loss allowance	$ 1.93 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.14 million
Goodwill and other intangibles	$ 0.87 million
All other assets	$ 1.77 million
Total Assets	$ 224.04 million

LIABILITIES
Total deposits	$ 208.20 million
Interest-bearing deposits	$ 157.40 million
Deposits held in domestic offices	$ 208.20 million
% insured (estimated)"	79.09%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 2.50 million
Subordinated debt	N.A.
All other liabilities	$ 0.75 millionn
Total Liabilities	$ 224.04 million
Shareholders’ Equity	$ 22.45 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 13.22 million
Total Interest Expense	$ 4.04 million
Net interest income	$ 9.18 million
Provision for loan and lease losses	$ 1.49 million
Total non interest income	$ 2.86 million
Total non interest expense	$ 7.89 million
Pre-tax Net Operating Income	$ 1.10 million

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