West Central Bank is a bank based in Ashland, Illinois, established in 1933, with $238 million in total assets across 6 branches. By Trust Grade it ranks 144th of 328 banks we track in Illinois. Its capital ratio of 9.5% trails most similarly sized banks (39th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.61% return on assets. No consumer complaints against West Central Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How West Central Bank compares to Illinois peers
How we graded West Central Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Strongly profitable (ROA 1.61%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for West Central Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 400 E Buchanan St, Ashland, IL 62612
- 815 W Clinton St, Rushville, IL 62681
- 3600 Wabash Ave, Springfield, IL 62711
- 1 Plaza Dr, Beardstown, IL 62618
- 400 E Buchanan St, Ashland, IL 62612
- 122 S State St, Beardstown, IL 62618
Are deposits at West Central Bank insured?
Yes. West Central Bank is an FDIC-insured bank (FDIC certificate #10853). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
West Central Bank: frequently asked questions
Is West Central Bank a good bank?
West Central Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Strongly profitable (ROA 1.61%).
Is West Central Bank FDIC-insured?
Yes. West Central Bank is a FDIC-insured bank (FDIC certificate #10853). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is West Central Bank?
West Central Bank holds $238 million in total assets, ranking 144th of 328 banks we track in Illinois. It operates 6 branches.
Does West Central Bank have CFPB complaints?
No CFPB complaints against West Central Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
