BlastPoint's Banking Scorecard
West Central Bank
Ashland, IL
6 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +1.8% year over year ($207.1M on the books).
- Delinquency rate 2.12%.
- Return on assets 1.28%.
- Efficiency ratio 62.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
West Central Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37.5% in tier
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 1.53% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.2M
-5.6% YoY
-2.4% QoQ
|
-$154.3M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$172.2M
-5.5% YoY
-1.5% QoQ
|
-$86.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$207.1M
+1.8% YoY
-2.6% QoQ
|
-$119.6M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.28%
+2.8% YoY
-20.6% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
4.47%
+16.5% YoY
+3.6% QoQ
|
+0.49% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
62.95%
-1.6% YoY
+6.3% QoQ
|
-1.53% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
2.12%
-5.6% YoY
-16.7% QoQ
|
+1.20% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.7% in tier |
| Loan-to-Deposit Ratio ? |
83.13%
-7.2% YoY
+1.1% QoQ
|
+5.18% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
24.94%
+8.9% YoY
-1.7% QoQ
|
+2.91% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.58%
-5.1% YoY
-17.0% QoQ
|
+0.91% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.2% in tier |
| Tier 1 Capital Ratio ? |
11.95%
+9.5% YoY
+5.4% QoQ
|
-3.96% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.61%
+13.2% YoY
+95.6% QoQ
|
+0.04% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 6.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.9%
+2.0pp YoY -0.4pp QoQ |
+2.8pp | 22.1% | 20.1% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.6%
+2.5pp YoY -0.9pp QoQ |
+3.1pp | 11.6% | 14.7% | 12.5% | 74% |
| CRE |
18.2%
-5.5pp YoY -1.2pp QoQ |
-21.4pp | 39.5% | 37.9% | 41.4% | 15% |
| 1-4 Family |
48.0%
+4.6pp YoY +1.3pp QoQ |
+15.4pp | 32.6% | 28.3% | 31.3% | 80% |
| Consumer |
7.2%
-2.3pp YoY -0.4pp QoQ |
+3.0pp | 4.1% | 5.4% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.9%
+1.0pp YoY +0.6pp QoQ |
-0.2pp | 12.2% | 12.2% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
+1 (+2.3%) YoY +1 (+2.3%) QoQ |
-14 | 58 | 228 | 482 | 47% |
| Assets per Employee ($) |
$5.2M
-7.7% YoY -4.6% QoQ |
-$2.4M | $7.5M | $8.3M | $8.8M | 17% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-1.2pp YoY +0.2pp QoQ |
0.0pp | 0.3% | 0.4% | 0.4% | 77% |
| Nonaccrual |
1.8%
+1.1pp YoY -0.7pp QoQ |
+0.8pp | 0.9% | 1.1% | 1.0% | 85% |
| Allowance Coverage |
0.40x
+5.4% YoY -11.4% QoQ |
-23.75x | 24.15x | 5.62x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
1.4%
+1.2pp YoY +0.9pp QoQ |
+1.3pp | 0.1% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
-2.9pp YoY -3.8pp QoQ |
+1.3pp | 12.2% | 10.5% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY -0.1pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 29% |
| Net Income ($, YTD) |
$1.5M
-1.0% YoY — QoQ |
-$1.0M | $2.6M | $11.7M | $40.4M | 42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.