WEST CENTRAL BANCSHARES INC is the parent banking group. WEST CENTRAL BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

WEST CENTRAL BANCSHARES INC

Legal name: WEST CENTRAL BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $238M combined assets

RSSD ID: 1129944 (FFIEC NIC)

Combined Assets

$238M

CRA Rating Summary

Satisfactory1charter

Across all 14 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWEST CENTRAL BANKASHLAND, ILSatisfactory$238MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$238M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$213M

Net Income

$977K

ROA (avg)

1.61%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

148

Origination Rate

94.59%

Denial Rate

2.03%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
WEST CENTRAL BANK	ASHLAND, IL	FDIC	$238M	100.0%	Satisfactory	Mar 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.