# WEST CENTRAL BANK
ASHLAND, IL · FDIC certificate 10853 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $232.2M | |
| Deposits | $207.1M | |
| Loans and leases | $173.6M | |
| Total equity | $22.8M | |
| Loans / deposits | 83.13% (p67 of band) | 73.59% |
| Liquid assets / assets | 22.40% (p27 of band) | |
| Uninsured deposits / deposits | 21.43% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.21% (p48 of band) | |
| FHLB advances / assets | 0.21% | |
| Tier 1 leverage | 11.95% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -26.54% (p17 of band) | -6.57% |
| AOCI / equity | -3.41% (p4 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 4.47% (p76 of band) | 3.93% |
| Efficiency ratio | 62.95% (p42 of band) | |
| Noncurrent loans | 2.10% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 1.07% (p99 of band) | |
| Reserve coverage of noncurrent | 39.99% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 27.69% (p62 of band) | |
| Auto loans | $9.1M (5.21% of loans; DQ 5.37%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 0 |  | capital falling, reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | leverage <7% | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling, leverage <7% |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | deposits shrinking, assets shrinking |  |
| 2017-09 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2018-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 3 | reserve under noncurrent | assets shrinking, uninsured deposits leaving |
| 2019-12 | 2 |  | deposits shrinking |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | reserve under noncurrent |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 1 | reserve under noncurrent | capital falling |
| 2021-12 | 2 | charge-offs p90 |  |
| 2022-03 | 2 | capital falling | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  | reserve under noncurrent |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 | uninsured deposits leaving | assets shrinking |
| 2023-09 | 4 | wholesale funding >15% | uninsured deposits leaving |
| 2023-12 | 4 | capital falling | deposits shrinking |
| 2024-03 | 2 |  | wholesale funding >15%, capital falling |
| 2024-06 | 4 | wholesale funding >15%, charge-offs p90 |  |
| 2024-09 | 3 |  | wholesale funding >15% |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | noncurrent p90 | securities losses >30% of equity |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | noncurrent p90 |
| 2026-06 | 3 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-07-07 [It’s your business: West Central Bank names Workman as CFO - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNYm5fMmJyb0p5STdhcERfcDQzb21RbG43aGcyVk4wNDBHOXZJMXlZMUlhTTJtMFZWbjhyaFJnbzI0QVhlWVVxVUY4X2hIaDJqbTFwUEF1QzAtbUNlSEdCNWU4c2pxSXJQZ1NjNjFMMWFsTXdzZW96U0xkbW85S3F2bkF2SFhtQUk5aTJLQXBwYzRXZnQ2dlBaNU5wSGZoSk0xWHdha0FOTlRoZw?oc=5) · Jacksonville Journal-Courier
- 2013-05-12 [Wabash Avenue becoming a 'bankers row' - The State Journal-Register](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSGVXel8zcUYwc1VZRzJxMnFWek9GRF81UTBuWTBjX0M1bHpETTlEMkE1VUZHQ3ppMm1MTDVvNndjY0w2S3EzSzVJZTRHejREamxDTjQ2ZzNlRHVJS1N3UmZCSE5mM3FJRHB5QkgzazJrcm9kQk1CTnVmbHVic0RRdnB6RG5Ib0tTdGNTNlhZY0tGVDg0?oc=5) · The State Journal-Register
- 2016-10-04 [West Central Bank Offering Passport Registration Days - wandtv.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOOTZGSDk5SkRMU1p0ZVdDSEdWQUN6NldBcUV6ZjB0NlRGcEh0YXZUSEVmaWo2eUYySFZjNDJLcWZMcGx6aXh2ek1SaTRUWUdwMTh4NDJzWlhFUWpEcVpsNzVnTENTWTRVajc1SEhXb0t2eHBrd2EwcUgzaXZkdFQxV0dmd0llRVlQY2w0X0Zhakd2WXBsM19sYjNaYjJ1VGZtVG5EYUttM193VTlIVDJUdUpyTVJuSFp3Zm9PR29TWWtCc0NQQnpSYks2dw?oc=5) · wandtv.com
- 2020-01-11 [Leslie Crafton Obituary Jan 11, 2020 - colwellmemorialhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1Td0pGR3k5d2tEcG9DLVBLUE5Nb19QZWh3Z2NlWWVCVGFNTkJJdzRWX1BEcXh3Z2lnOXl5Nkw5REJQZ2w3RlVwbHVMTEF5ZGdoeGR5SldZWXIxcllua2N1dWlvMmxjdWplQ1BCdV93?oc=5) · colwellmemorialhome.com
- 2021-11-01 [Danny Flinn Obituary (1930 - 2014) - Jacksonville, IL - Jacksonville Journal-Courier - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbF9GeVBldUp0NDREOFowTE52Z19ZemI1MGRCODNERGZCU2pnMDVtYXBuQ1lDZl9JQVFXNkVlVzhpanVvZXl5aThpSTNXREhxZmtlckhHRVJPNHlZSDJoMEZHcHZuamJCNUFlcFg4cEljdVhuSkdINHJJRzhCYUdMM20zS3p3UktEUEdLYWUxLUZlamtqSVE?oc=5) · legacy.com
- 2012-10-07 [Tanya Miles Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaTJVdGNRNDNKRmpyd0tKSE1IN2lSdUhnWUZES3psajVhWDZiSFRKd0hqcFVFblgxWFF1TGk1N1F5NmtLeGlWNmVubU5yM2phTzYxZlFXWUIwQ2w5NHBoNkdYWm1ObTMzZzEzcWw0OUhJNmZWVHh3SUh2aV9CcXFLbVV1QmQ?oc=5) · Dignity Memorial
- 2025-04-18 [Feds arrest man accused of 'jackpotting' Beardstown bank ATM - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVVdZLTZUOTE2WkNoVmZ2RXBmbVdaak5aWG9NZ0dhX0FmVG9NMTVFNWFxUWhKeS05dF9KNVNrUEdaVjVadWxHdloySkR4Z1JweU5qc3ZaYjZvajV3akttbHFKODh0TXk2NkF5SG5wRXpfYUJ0cG1zTWdzMzJyQzVDQTZzNlZyTTBTX3NBVWJZRG1FLXM2YzlrUDdn?oc=5) · Jacksonville Journal-Courier
- 2021-10-06 [Robert Briggs Obituary (1932 - 2021) - Ashland, IL - Jacksonville Journal-Courier - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNblhveHVwT1dGRGMxbUczVDVGMWkzVHlLNElLcDJxVVdjVGJuMThFNzVENTVYLXVQQ1N0ck83OFpwcVdQczZmc2RGSktZQ2FLOFBhLThyMmZEZTQ3SEtwOWxaYWxfbUNaVVRLYVBUcldVSUFMNE41bU82ODlGcmtCTllzWlVuNFJMSXVRSDZ1WmdfMVMwM1VpQw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10853 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "10853", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide