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Overview / Commentary
201 West Loomis Street
Ludington, MI 49431

West Shore Bank is headquartered in Ludington and is the 27th largest bank in the state of Michigan. It is also the 1,617th largest bank in the nation. It was established in 1898 and as of September of 2017, it had grown to 109 employees at 7 locations. West Shore Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #14929
Year Established1898
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD9.18%
Annual Interest Income$11.7MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$436.8MM$429.1MM
LoansQ3 2017vs Q3 2016$277.1MM$270.0MM
DepositsQ3 2017vs Q3 2016$352.8MM$350.1MM
Equity CapitalQ3 2017vs Q3 2016$38.3MM$36.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$3.3MM$3.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.9MM$2.8MM
Real Estate OwnedQ3 2017vs Q3 2016$450.00K$985.00K
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West Shore Bank CD Rates

1.56%$500-60 Month Relationship CD
1.41%$500-48 Month Relationship CD
1.31%$500-60 Month CD
1.26%$500-36 Month Relationship CD
1.15%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month CD
0.25%$500-6 Month CD
0.15%$500-3 Month CD

West Shore Bank IRA Rates

1.48%$100-24 Month Variable IRA
1.15%$500-48 Month Fixed Rate IRA
1.00%$500-36 Month Fixed Rate IRA
0.75%$500-24 Month Fixed Rate IRA
0.40%$500-12 Month Fixed Rate IRA

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
Onekama Branch4861 Main StreetOnekama, MI 49675