West Shore Bank is a state-chartered bank headquartered in Ludington, Michigan, in business for about 128 years. At the end of Q2 2026 it reported $833.6M in total assets and $720.2M in deposits, with 9 offices.
West Shore Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 61st. Problem-loan coverage contributes the most (81/100, 9.6%); capital cushion contributes the least (48/100, 9.85%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (65 → 56), mostly because the loan quality component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 62 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.19% |
| Q3 2024 | 8.26% |
| Q4 2024 | 8.47% |
| Q1 2025 | 8.65% |
| Q2 2025 | 8.91% |
| Q3 2025 | 9.49% |
| Q4 2025 | 9.39% |
| Q1 2026 | 9.55% |
| Q2 2026 | 9.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.27% |
| Q2 2026 | 1.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $833.6M | 9.85% | 1.24% | 0.83% | 90.7% |
| Q1 2026 | 65 | $828.1M | 9.55% | 0.27% | 0.88% | 91.3% |
| Q4 2025 | 64 | $820.2M | 9.39% | 0.27% | 0.86% | 92.5% |
| Q3 2025 | 68 | $836.6M | 9.49% | 0.06% | 0.91% | 85.7% |
| Q2 2025 | 65 | $789.6M | 8.91% | 0.06% | 0.82% | 90.9% |
| Q1 2025 | 62 | $778.5M | 8.65% | 0.08% | 0.69% | 89.0% |
| Q4 2024 | 63 | $768.3M | 8.47% | 0.09% | 0.72% | 85.8% |
| Q3 2024 | 62 | $808.7M | 8.26% | 0.08% | 0.63% | 79.4% |
| Q2 2024 | 60 | $766.1M | 8.19% | 0.08% | 0.47% | 81.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Independence BankBank Detroit, MI | 74 out of 100, Strong | $875.3M | 10.8% | 0.71% | vs |
| Oxford BankBank Oxford, MI | 53 out of 100, Below average | $930.5M | 11.9% | 2.26% | vs |
| First National Bank of MichiganBank Kalamazoo, MI | 60 out of 100, Moderate | $988.9M | 9.5% | 0.80% | vs |
| Thumb Bank and TrustBank Pigeon, MI | 77 out of 100, Strong | $673.3M | 9.4% | 0.03% | vs |
| Tri-County BankBank Brown City, MI | 78 out of 100, Strong | $638.6M | 13.6% | 1.30% | vs |
| First Bank, Upper MichiganBank Gladstone, MI | 81 out of 100, Strong | $629.5M | 12.7% | 0.63% | vs |
Deposit insurance
Is my money safe at West Shore Bank?
Yes. West Shore Bank is an FDIC-insured institution (FDIC certificate #14929). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($196.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.62% (benchmark: 10%).
9 locations
Branches
West Shore Bank lists 9 offices in 8 cities. Most locations:
- Manistee, MI (2)
- Frankfort, MI (1)
- Hart, MI (1)
- Ludington, MI (1)
- Onekama, MI (1)
- Pere Marquette Township, MI (1)
- Scottville, MI (1)
- Traverse City, MI (1)
Identity & history
Profile
- Legal name
- West Shore Bank
- Former names
- State Savings Bank of Scottville
- Type
- State-chartered bank
- FDIC certificate #
- 14929
- RSSD ID
- 832546
- Primary regulator
- FDIC
- Holding company
- West Shore Bank Corp
- Established
- July 25, 1898
- Headquarters
- 201 W Loomis St, Ludington, MI 49431
- Website
- www.westshorebank.com
- Employees
- 137
Quick answers
West Shore Bank: common questions
Is West Shore Bank FDIC insured?
Yes. West Shore Bank is an FDIC-insured institution (FDIC certificate #14929). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Shore Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Shore Bank ever failed?
There is no failure record for FDIC certificate #14929 in the FDIC failed bank list.
How many branches does West Shore Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ludington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Lake-Osceola State BankBank Baldwin, MI | 85 out of 100, Very strong | $469.4M | 12.5% | 0.24% | vs |
| Wmcu Credit UnionCredit union Grand Rapids, MI | 84 out of 100, Strong | $455.3M | 17.3% | 0.92% | vs |
| Filer Credit UnionCredit union Manistee, MI | 78 out of 100, Strong | $262.4M | 12.8% | 0.84% | vs |
| The Shelby State BankBank Shelby, MI | 73 out of 100, Strong | $397.0M | 9.1% | 0.01% | vs |
| Family Financial Credit UnionCredit union Norton Shores, MI | 66 out of 100, Moderate | $175.6M | 11.1% | 0.89% | vs |