Bank call report · Ludington, MI
West Shore Bank Call Report
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West Shore Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 402 reported line items, schedule by schedule (906 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 832546 |
| FDIC certificate number | 14929 |
| Total assets | $833.6M |
Official Q2 2026 call report PDF (FFIEC) →
West Shore Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · West Shore Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $833.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $833.6M |
| Total Liabilities and Minority Interest | RCON2948 | $755.3M |
| Total Deposits | RCON2200 | $720.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $658.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $652.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $576.8M |
| Deposits: Noninterest-bearing | RCON6631 | $143.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $79.0M |
| Total Equity Capital | RCON3210 | $78.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $78.2M |
| Surplus | RCON3839 | $53.0M |
| Interest-bearing Balances | RCON0071 | $28.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $28.5M |
| Other Borrowed Money | RCON3190 | $26.8M |
| Other Assets | RCON2160 | $26.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $22.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $18.7M |
| Other Liabilities, Total | RCON2930 | $8.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.2M |
| Intangible Assets | RCON2143 | $4.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.3M |
| Goodwill | RCON3163 | $1.8M |
| Loans and Leases Held for Sale | RCON5369 | $1.2M |
| Common Stock | RCON3230 | $1.0M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $651K |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $113K |
Schedule RI: Income Statement (45 items)
About Schedule RI · West Shore Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $22.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $20.6M |
| Net Interest Income | RIAD4074 | $15.1M |
| Total Noninterest Expense | RIAD4093 | $14.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $10.8M |
| Salaries and Employee Benefits | RIAD4135 | $7.7M |
| Total Interest Expense | RIAD4073 | $6.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.1M |
| Other Noninterest Expense | RIAD4092 | $4.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.4M |
| Net Income (Loss) | RIAD4340 | $3.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.4M |
| Total Noninterest Income | RIAD4079 | $3.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.4M |
| Other Noninterest Income | RIADB497 | $920K |
| Applicable Income Taxes | RIAD4302 | $704K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $505K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $500K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $495K |
| Interest on Other Securities | RIAD4060 | $491K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $468K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $364K |
| Net Servicing Fees | RIADB492 | $340K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $243K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $224K |
| Other Interest Income | RIAD4518 | $177K |
| Provision for Loan and Lease Losses | RIAD4230 | $165K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $165K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $123K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $106K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $103K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $93K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $62K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $34K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $31K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $25K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $3K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 137 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $47.6M |
| Balances Due from Federal Reserve Banks | RCON0090 | $28.3M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $14.1M |
| Currency and Coin | RCON0080 | $5.2M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $28K |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · West Shore Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $902K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $806K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $12.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $11.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $11.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $9.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $84.6M |
| Pledged Securities | RCON0416 | $51.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $27.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $25.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $23.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $21.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $18.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $18.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $17.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $11.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $10.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $9.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $9.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $4.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $4.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $3.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $697K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $517K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $104K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $47K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · West Shore Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $659.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $231.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $182.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $149.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $148.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $146.1M |
| Pledged Loans and Leases | RCONG378 | $123.0M |
| Commercial and Industrial Loans | RCON1766 | $113.7M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $113.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $100.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $82.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $80.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $75.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $62.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $43.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $43.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $27.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $23.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $22.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $19.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $13.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $13.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $7.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $6.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $6.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $5.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $5.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $961K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $138K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $65K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $14K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $14K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $63.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $23.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $15.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $438K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $343K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $307K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $180K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $88K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $64K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 165 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 133 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 121 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 93 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 60 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 57 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 6 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · West Shore Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $422.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $396.9M |
| Total Transaction Accounts | RCON2215 | $298.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $272.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $160.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $153.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $97.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $86.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $72.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $56.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $56.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $45.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $41.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $39.3M |
| Total reciprocal deposits | RCONJH83 | $38.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $30.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $26.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $24.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $23.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $16.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $16.0M |
| Total Brokered Deposits | RCON2365 | $16.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $12.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.8M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $2.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $495K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $221K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $13.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.9M |
| Other Assets | RCON2168 | $3.5M |
| Accrued Interest Receivable | RCONB556 | $2.8M |
| Net Deferred Tax Assets | RCON2148 | $2.2M |
| Prepaid Expenses | RCON2166 | $1.5M |
| Computer Software | RCONFT33 | $108K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.8M |
| Deferred Compensation Liabilities | RCONC011 | $4.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.3M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $819K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $236K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · West Shore Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $820.9M |
| Quarterly Average of Total Loans | RCON3360 | $645.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $322.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $246.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $180.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $144.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $110.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $101.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $70.4M |
| All Other Securities | RCONB560 | $39.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $27.1M |
| Mortgage-backed Securities | RCONB559 | $24.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $24.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $19.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $12.8M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $8.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $915K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · West Shore Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $74.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $47.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $32.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $23.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $11.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $3.3M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $3.3M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.1M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $79K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · West Shore Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $20.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $13.1M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $5.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.6M |
| Mortgage Servicing Assets | RCON3164 | $2.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $1.8M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (19 items)
About Schedule RC-N · West Shore Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $8.0M |
| Additions to Nonaccrual Assets | RCONC410 | $7.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $6.5M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $321K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $158K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $125K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $125K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $92K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $65K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $65K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $55K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $46K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $40K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $35K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $32K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $30K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $22K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $11K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · West Shore Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $820.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $721.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $412.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $304.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $77.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 21,720 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 431 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 329 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · West Shore Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $690.3M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · West Shore Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $820.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $818.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $690.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $87.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $80.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $80.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $80.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $78.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $54.0M |
| Retained Earnings | RCOAKW00 | $28.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.3M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.8M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $184K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $184K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1262 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1168 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1168 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0985 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0462 |
Schedule RC-R, Part II: Risk-Weighted Assets (64 items)
About Schedule RC-R, Part II · West Shore Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $690.3M |
| Total Risk-weighted Assets | RCONG641 | $690.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $570.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $570.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $528.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $450.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $414.8M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $200.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $148.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $145.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $139.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $111.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $111.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $98.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $79.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $74.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $60.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $57.8M |
| Total All Other Assets | RCOND981 | $53.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $51.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $47.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $47.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $45.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $43.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $42.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $34.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $33.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $22.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $21.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $21.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $19.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $16.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $14.1M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $12.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $11.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $11.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $10.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$10.0M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $7.8M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $7.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $7.7M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $7.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $7.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $7.1M |
| All Other Off- Balance Sheet Liabilities - 0 Pct Risk Weight Category | RCONG620 | $6.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$5.6M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $4.9M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $4.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $4.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $4.9M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $4.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $3.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.8M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $1.5M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $1.2M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.2M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $1.1M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $1.1M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $1.1M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $617K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $617K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $497K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $51K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $24K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $270.4M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $60.6M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $60.6M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $7.8M |
Schedule RC-T: Fiduciary and Related Services (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $358.2M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $177.2M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $154.2M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $17.5M |
| Corporate Trust and Agency Accounts - Managed Assets | RCONB884 | $9.3M |
| Income from Fiduciary Activities | RIAD4070 | $1.5M |
| Other Retirement Accounts | RIADB907 | $730K |
| Personal Trust and Agency Accounts | RIADB904 | $617K |
| Other Fiduciary and Related Services Income | RIADB910 | $60K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $36K |
| Gross Fees, Commissions and Other Fiduciary Income: Corporate Trust and Agency Accounts | RIADA479 | $12K |
| Other Fiduciary Accounts - Managed Assets | RCONB890 | $12K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 645 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 424 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 208 |
| Corporate Trust and Agency Accounts - Number of Managed Accounts | RCONC001 | 7 |
| Other Fiduciary Accounts - Number of Managed Accounts | RCONB892 | 4 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $78.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $74.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $74.8M |
| Other Comprehensive Income | RIADB511 | -$5K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · West Shore Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $22K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $15K |
| Charge-offs on Automobile Loans | RIADK129 | $14K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $8K |
| Recoveries on Automobile Loans | RIADK133 | $7K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $5K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · West Shore Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $22K |
Schedule RI-E: Explanations (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $887K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $536K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $365K |
| Consulting and Advisory Expense | RIADF557 | $259K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $235K |
| Accounting and Auditing Expenses | RIADF556 | $219K |
| Directors' Fees | RIAD4136 | $199K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $131K |
West Shore Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the West Shore Bank call report?
The West Shore Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does West Shore Bank file?
West Shore Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the West Shore Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: West Shore Bank has Federal Reserve RSSD ID 832546 and FDIC certificate number 14929. Either one finds its filings on the FFIEC Central Data Repository.
How often does West Shore Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
West Shore Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 14929) · FFIEC NIC profile (RSSD 832546)