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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 - July 10, 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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