West Shore Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Shore Bank of Ludington, MI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.25% | -0.46% | 21st bottom |
| ROAE | 8.41% | 13.17% | -4.76% | 26th below |
| Net Interest Margin | 3.99% | 3.95% | +0.04% | 52nd above |
| Efficiency Ratio | 77.75% | 61.50% | +16.25% | 15th bottom |
| PPNR / Avg Assets | 0.99% | — | — | 19th bottom |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 59th above |
| Cost of Funds | 1.89% | 1.87% | +0.02% | 44th below |
| Net Interest Spread | 3.55% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.22% | 0.93% | +0.29% | 24th bottom |
| NPA / Total Assets | 0.96% | — | — | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.95% | — | — | 20th bottom |
| ACL / NPLs (Coverage) | 77.78% | — | — | 21st bottom |
| Texas Ratio | 9.86% | 6.06% | +3.80% | 18th bottom |
| Provision / NCO | 2357.14% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.68% | 17.18% | -5.50% | 13th bottom |
| Tier 1 Ratio | 11.68% | 17.21% | -5.53% | 13th bottom |
| Total Capital Ratio | 12.62% | — | — | 12th bottom |
| Leverage Ratio | 9.85% | 11.75% | -1.90% | 27th below |
| Equity / Assets | 9.38% | 10.98% | -1.60% | 33rd below |
| TCE / Tangible Assets | 9.18% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.56% | 80.44% | +11.12% | 25th below |
| Core Deposit Ratio | 91.41% | 86.95% | +4.46% | 64th above |
| Wholesale Funding Ratio | 3.23% | — | — | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.57% | — | — | 59th above |
| Loan Growth (Y/Y) | 10.12% | — | — | 73rd above |
| Deposit Growth (Y/Y) | 10.44% | — | — | 84th top |
See West Shore Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Shore Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Shore Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the West Shore Bank peer analysis.