West Shore Bank is a bank based in Ludington, Michigan, established in 1898, with $828 million in total assets across 9 branches. By Trust Grade it ranks 39th of 73 banks we track in Michigan. Its capital ratio of 9.3% trails most similarly sized banks (34th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 0.88% return on assets. No consumer complaints against West Shore Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How West Shore Bank compares to Michigan peers
How we graded West Shore Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Profitable (ROA 0.88%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for West Shore Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 501 Main St, Frankfort, MI 49635
- 5725 West U.S. 10, Pere Marquette Township, MI 49431
- 4070 W Polk Rd, Hart, MI 49420
- 415 Parkdale, Manistee, MI 49660
- 107 W State St, Scottville, MI 49454
- 306 Cypress St, Manistee, MI 49660
- 4945 Main St, Onekama, MI 49675
- 400 E Eighth St, Traverse City, MI 49686
- 201 W Loomis St, Ludington, MI 49431
Are deposits at West Shore Bank insured?
Yes. West Shore Bank is an FDIC-insured bank (FDIC certificate #14929). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
West Shore Bank: frequently asked questions
Is West Shore Bank a good bank?
West Shore Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Profitable (ROA 0.88%).
Is West Shore Bank FDIC-insured?
Yes. West Shore Bank is a FDIC-insured bank (FDIC certificate #14929). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is West Shore Bank?
West Shore Bank holds $828 million in total assets, ranking 39th of 73 banks we track in Michigan. It operates 9 branches.
Does West Shore Bank have CFPB complaints?
No CFPB complaints against West Shore Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
