Bank · FDIC insured
West Central Bank
A $232.2M bank headquartered in Ashland, IL, with 6 branches in Illinois. Best rates: CDs 2.37% and savings 0.45% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—2.47%CD rates →
- Savings770.75%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About West Central Bank
- Headquarters
- 400 E Buchanan St, Ashland, IL 62612
- FDIC certificate
- 10853 ↗
Branches
6 branches in Illinois
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Illinois
6 branches
Ashland area · 2
- West Central BankMain office400 E Buchanan St, Ashland, IL 62612Directions
- Fremont Street Branch400 E Buchanan St, Ashland, IL 62612Directions
Beardstown area · 2
- Beardstown Branch122 S State St, Beardstown, IL 62618Directions
- Beardstown Il Facility1 Plaza Dr, Beardstown, IL 62618Directions
Rushville area · 1
- Rushville Branch815 W Clinton St, Rushville, IL 62681Directions
Springfield area · 1
- Springfield Branch3600 Wabash Ave, Springfield, IL 62711Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.95% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.10% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.28% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio11.95%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.10%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.28%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of West Central Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.