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Overview / Commentary
201 West Loomis Street
Ludington, MI 49431

West Shore Bank is headquartered in Ludington and is the 26th largest bank in the state of Michigan. It is also the 1,753rd largest bank in the nation. It was established in 1898 and as of June of 2016, it had grown to 90 employees at 6 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 - YTD0.76%
Return on Equity - YTD8.21%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$386.8MM$365.5MM
LoansQ2 2016vs Q2 2015$253.9MM$231.2MM
DepositsQ2 2016vs Q2 2015$303.3MM$295.7MM
Equity CapitalQ2 2016vs Q2 2015$37.3MM$34.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$3.2MM$3.2MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.2MM$2.7MM
Real Estate OwnedQ2 2016vs Q2 2015$886.00K$1.1MM
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West Shore Bank CD Rates

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

0.90%$500-48 Month Fixed Rate IRA
0.70%$500-36 Month Fixed Rate IRA
0.50%$500-24 Month Fixed Rate IRA
0.43%$100-24 Month Variable IRA
0.30%$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
Manistee Branch120 Cypress StreetManistee, MI 49660