Side-by-side · Q2 2026 data
West Shore Bank vs First National Bank of Michigan
Metric by metric
| Measure | West Shore Bank | First National Bank of Michigan |
|---|---|---|
| TellerScore | 56 | 60 (stronger) |
| Capital cushion | 48 (stronger) | 45 |
| Loan quality | 59 | 73 (stronger) |
| Earnings | 53 | 59 (stronger) |
| Funding & liquidity | 56 (stronger) | 50 |
| Problem-loan coverage | 81 | 87 (stronger) |
| Peer percentile | 13th | 19th |
| Total assets | $833.6M | $988.9M |
| Deposits / shares | $720.2M | $807.2M |
| Capital ratio | 9.85% (stronger) | 9.54% |
| Problem loans | 1.24% | 0.80% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.83% | 0.98% (stronger) |
| Loans ÷ deposits | 90.7% (stronger) | 100.9% |
| Uninsured deposits | 27.3% | 23.2% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Michigan has the higher TellerScore (60 vs 56). On the 7 directional measures above (where higher or lower is clearly better), West Shore Bank leads on 2 and First National Bank of Michigan on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.