Bank routing number ยท Ludington, Michigan
West Shore Bank Routing Number (ABA): 072408290
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The West Shore Bank routing number is 072408290. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 28, 2026.
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
- Domestic offices
- 9 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1898
Full financial profile · Is West Shore Bank safe? · West Shore Bank Q3 2026 call report, filed October 23, 2026 (preliminary) · Branch locations
West Shore Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 072408290 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 28, 2026. NIC holds one primary number per bank; West Shore Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 0829, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to West Shore Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your West Shore Bank checks or in its online banking. Ask the bank for wire instructions (www.westshorebank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About West Shore Bank
West Shore Bank is headquartered in Ludington, Michigan and was established in 1898. It is in the LUDINGTON, MI metro area. It reported $833.6M in total assets and $720.2M in deposits for Q2 2026, the 22nd largest of the 72 banks headquartered in Michigan. It reports 9 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. One other bank or credit union headquartered in Ludington has a routing number listed here.
What the digits in 072408290 mean
The first four digits, 0724, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 0829, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 6 + 7 x 16 + 10 = 140, a multiple of 10, so 072408290 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the West Shore Bank routing number?
The West Shore Bank routing number is 072408290. It is the primary ABA routing transit number registered to West Shore Bank, headquartered in Ludington, MI. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 28, 2026.
What is the West Shore Bank wire routing number?
This page lists the primary routing number registered to West Shore Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with West Shore Bank before sending a wire.
Is ABA number 072408290 the routing number for West Shore Bank?
Yes. It is the primary routing number registered to West Shore Bank.
Which bank uses routing number 072408290?
It belongs to West Shore Bank, headquartered in Ludington, MI. It is the bank's primary ABA routing number (FDIC certificate 14929).
Routing numbers of similar-size institutions in Michigan
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View West Shore Bank's full profile →
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Regulator records: FDIC BankFind (cert 14929) · FFIEC NIC profile (RSSD 832546)