West Central Bank (FDIC #10853): Bank Stress & Real-Estate Credit Exposure
West Central Bank (FDIC Cert #10853): bank stress 66/100, elevated, STABLE over 7 days; parent WEST CENTRAL BANCSHARES INC.
West Central Bank (#10853) lends in 3 counties across 1 state; West Central Bank (#10853) reaches 50 ZIP codes: Illinois 3 counties, 50 ZIPs.
West Central Bank (#10853) largest markets: Sangamon County, IL (30 branches, 30 ZIPs) (#10853), Schuyler County, IL (12 branches, 12 ZIPs) (#10853), Cass County, IL (32 branches, 8 ZIPs) (#10853).
West Central Bank (#10853) reports $232.2 million in total assets; West Central Bank (#10853) equity $22.8 million (9.8% of West Central Bank (#10853) assets); West Central Bank (#10853) domestic deposits $207.1 million; West Central Bank (#10853) net income $1.5 million; West Central Bank (#10853) return on assets 1.28%; West Central Bank (#10853) return on equity 13.54%; West Central Bank (#10853) net interest income $5.0 million; West Central Bank (#10853) call report June 30, 2026.
West Central Bank (#10853) noncurrent real-estate loans 0.14% of its book; West Central Bank (#10853) residential 0.64%; West Central Bank (#10853) net charge-offs on real estate 2.40%; West Central Bank (#10853) residential charge-offs 2.06%.
West Central Bank (#10853) net interest margin 4.47% against an eight-quarter West Central Bank (#10853) average of 3.88% (West Central Bank (#10853) compression -0.60 points); West Central Bank (#10853) real-estate loans 13.8% of equity; West Central Bank (#10853) non-residential real estate 206.4% of equity; West Central Bank (#10853) rate-exposure score 40/100, West Central Bank (#10853) fixed-rate trap 40/100; West Central Bank (#10853) risk type credit driven; West Central Bank (#10853) rate regime rates elevated, West Central Bank (#10853) snapshot October 20, 2026.
West Central Bank (#10853) stress score moved from 58.8 on June 22, 2026 to 65.6 on October 20, 2026; West Central Bank (#10853) ranged 58.8 to 65.6 over 117 snapshots.
West Central Bank (#10853) alerts: 3 counties; top West Central Bank (#10853) alert scores: Beardstown County, IL 23 (low); Rushville County, IL 23 (low); Springfield County, IL 23 (low).