West Central Bank: how it compares with its peers
Against 145 IL banks with half to twice its assets, West Central Bank's strongest measure in Q2 2026 is net interest margin (4.47% vs. a 3.72% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.5M).
| Measure | West Central Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.14% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 3.72% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.95% | 64.80% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.5M | Bottom third Ahead of 21% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.13% | 74.70% | Context |
What it means for lending operations
Its efficiency ratio of 62.95% is better than the 64.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers State Bank of Hoffman Hoffman, IL · $232M
- Anna-Jonesboro National Bank Anna, IL · $234M
- Warren-Boynton State Bank New Berlin, IL · $235M
- Crossroads Bank Effingham, IL · $235M
- Eagle Valley Bank Griggsville, IL · $230M
- First Federal Savings and Loan Association of Central Illinois, S.B. Shelbyville, IL · $235M
Questions about West Central Bank
How big is West Central Bank?
West Central Bank, established in 1933, is headquartered in Ashland, IL. It reported $232M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is West Central Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.14% median for 145 IL banks with half to twice its assets, ahead of 58% of them.
What is West Central Bank's efficiency ratio?
62.95% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is West Central Bank growing its loans?
Net loans shrank 5.5% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.