BlastPoint's Banking Scorecard
West Central Bank
Ashland, IL
6 branches across IL
West Central Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 23.3% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 6.09% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.66% above tier average
- - Nonperforming Asset Ratio 1.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$237.9M
-3.8% YoY
-3.5% QoQ
|
-$148.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$174.9M
-4.7% YoY
-3.3% QoQ
|
-$80.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$212.6M
+5.4% YoY
+2.1% QoQ
|
-$115.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.61%
+7.5% YoY
+52.5% QoQ
|
+0.34% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.32%
+14.6% YoY
+10.0% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
59.20%
-8.2% YoY
-8.3% QoQ
|
-6.09% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
2.54%
+25.4% YoY
+1.5% QoQ
|
+1.66% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.0% in tier |
| Loan-to-Deposit Ratio ? |
82.26%
-9.5% YoY
-5.3% QoQ
|
+5.63% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
25.38%
+6.9% YoY
+4.0% QoQ
|
+3.36% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.90%
+26.2% YoY
+0.2% QoQ
|
+1.26% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.6% in tier |
| Tier 1 Capital Ratio ? |
11.34%
+6.0% YoY
+3.6% QoQ
|
-4.49% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.31%
+20.1% YoY
-73.3% QoQ
|
+0.03% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 6.4% in tier |
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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.