WEST SHORE BANK

LUDINGTON, MI | Medium | Est. July 25, 1898, midnight | FDIC #14929 | RSSD #832546 | FDIC
Latest Report: 2025-12-31

WEST SHORE BANK is amn medium FDIC-insured commercial bank headquartered in LUDINGTON, MI, established in July 25, 1898, midnight. As of 2025-12-31, the bank reported total assets of $820M and total deposits of $686M. Profitability stands at 0.71% ROA and 7.91% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 11.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 2.09%. FDIC Certificate #14929.

Assets

$820M

Deposits

$686M

Loans

$640M

Equity

$75M

Profitability

Return on Assets (ROA) 0.71%
Return on Equity (ROE) 7.91%
Net Interest Margin (NIM) 4.02%
Yield on Assets 5.88%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.09%
NPA Ratio 0.21%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 11.58%
Tier 1 Capital 11.58%
Total Capital Ratio 12.53%
Leverage Ratio 9.39%
Loan-to-Deposit 93.35%

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