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Overview / Commentary
888-295-4373
201 West Loomis Street
Ludington, MI 49431

West Shore Bank is headquartered in Ludington and is the 25th largest bank in the state of Michigan. It is also the 1,628th largest bank in the nation. It was established in 1898 and as of September of 2016, it had grown to 97 employees at 8 locations. West Shore Bank has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #14929
Year Established1898
Employees97
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.46%
Annual Interest Income$11.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$429.1MM$386.4MM
LoansQ3 2016vs Q3 2015$270.0MM$241.2MM
DepositsQ3 2016vs Q3 2015$350.1MM$318.2MM
Equity CapitalQ3 2016vs Q3 2015$36.7MM$34.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.3MM$3.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.8MM$2.6MM
Real Estate OwnedQ3 2016vs Q3 2015$985.00K$970.00K
Rates
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West Shore Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500-48 Month Relationship CD
0.95%$500-36 Month Relationship CD
0.90%$500-48 Month CD
0.75%$500-24 Month Relationship CD
0.70%$500-36 Month CD
0.65%$500-18 Month Relationship CD
0.55%$500-12 Month Relationship CD
0.50%$500-24 Month CD
0.45%$500-6 Month Relationship CD
0.40%$500-18 Month CD
0.35%$500-3 Month Relationship CD
0.30%$500-12 Month CD
0.20%$500-6 Month CD
0.10%$500-3 Month CD

West Shore Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-48 Month Fixed Rate IRA
0.70%$500-36 Month Fixed Rate IRA
0.63%$100-24 Month Variable IRA
0.50%$500-24 Month Fixed Rate IRA
0.30%$500-12 Month Fixed Rate IRA
Locations


West Shore Bank Locations
Scottville Branch107-109 West State StreetScottville, MI 49454
West Shore Bank201 West Loomis StreetLudington, MI 49431
Cypress Street Branch306 Cypress StreetManistee, MI 49660
Hart Branch4070 West Polk RoadHart, MI 49420
Manistee Branch415 ParkdaleManistee, MI 49660
Ludington Branch5725 West U.S. 10Pere Marquette Township, MI 49431
Frankfort Branch501 Main StreetFrankfort, MI 49635
Manistee Branch120 Cypress StreetManistee, MI 49660