Branch Network
West Shore Bank Locations & Branches Ludington, Michigan
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West Shore Bank operates 9 branches from its headquarters in Ludington, MI, .
West Shore Bank branch network
All 9 branches are in MICHIGAN, across 8 cities. Manistee, MI has the most of its branches, 2. Its largest office by deposits is its main office in Ludington, MI, with $305.8M (42.5% of its branch deposits). It had the same number of branches on June 30, 2025.
West Shore Bank at a glance
Its CET1 capital ratio was 11.68% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $833.6M
- CET1 ratio, Q2 2026
- 11.68%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1898
Full financial profile · Is West Shore Bank safe? · West Shore Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ludington, MI (1 branch) | 1 of 5 | 56.5% | $305.8M |
| State: MI (9 branches) | 34 of 95 | 0.2% | $720.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
West Shore Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mason, MI (3 branches) | 1 of 5 | 65.8% | $452.6M | $688.3M |
| Manistee, MI (3 branches) | 1 of 5 | 29.8% | $111.0M | $372.1M |
| Grand Traverse, MI (1 branch) | 9 of 13 | 2.1% | $82.1M | $3.84B |
| Oceana, MI (1 branch) | 4 of 5 | 9.8% | $43.2M | $439.8M |
| Benzie, MI (1 branch) | 3 of 3 | 7.7% | $31.3M | $407.3M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Ludington, MI (3 branches) | 1 of 5 | 65.8% | $452.6M | $688.3M |
| Traverse City, MI (2 branches) | 9 of 13 | 2.4% | $113.4M | $4.78B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Shore Bank (main office) | Ludington, MI | 49431 | $305.8M |
| Scottville Branch | Scottville, MI | 49454 | $106.5M |
| Traverse City Branch | Traverse City, MI | 49686 | $82.1M |
| Manistee Branch | Manistee, MI | 49660 | $49.1M |
| Hart Branch | Hart, MI | 49420 | $43.2M |
| Ludington Branch | Pere Marquette Township, MI | 49431 | $40.3M |
| Cypress Street Branch | Manistee, MI | 49660 | $35.4M |
| Frankfort Branch | Frankfort, MI | 49635 | $31.3M |
| Onekama Branch | Onekama, MI | 49675 | $26.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 14929) · FFIEC NIC profile (RSSD 832546)