West Shore Bank
Headquarters: Ludington, Michigan
Overview
West Shore Bank is an FDIC-insured bank headquartered in Ludington, Michigan. It reported $833.57M in assets and $720.20M in deposits for the period ending June 30, 2026. Bankular currently lists 9 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where West Shore Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of West Shore Bank
Cypress Street
306 Cypress St, Manistee, Michigan, 49660
Full-service branch · Opened September 23, 2008
Frankfort Branch
501 Main St, Frankfort, Michigan, 49635
Full-service branch · Opened May 2, 1983
Hart Branch
4070 W Polk Rd, Hart, Michigan, 49420
Full-service branch · Opened August 14, 1997
Ludington
5725 West U.S. 10, Pere Marquette Township, Michigan, 49431
Full-service branch · Opened July 7, 1975
Main Office
201 W Loomis St, Ludington, Michigan, 49431
Full-service branch · Opened July 25, 1898
Manistee Branch
415 Parkdale, Manistee, Michigan, 49660
Full-service branch · Opened August 10, 1999
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $833.57M | $720.20M | $653.19M | 0.83% |
| March 31, 2026 | $828.07M | $696.64M | $636.21M | 0.88% |
| December 31, 2025 | $820.23M | $685.52M | $633.87M | 0.86% |
| September 30, 2025 | $836.56M | $700.41M | $600.00M | 0.91% |
| June 30, 2025 | $789.63M | $652.13M | $593.00M | 0.82% |
| March 31, 2025 | $778.47M | $658.62M | $586.28M | 0.69% |
| December 31, 2024 | $768.34M | $659.06M | $565.35M | 0.72% |
| September 30, 2024 | $808.69M | $704.12M | $559.07M | 0.63% |
Size and reach
How this institution compares
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More on West Shore Bank
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Branch locations
9 listed locations.
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Explore →State banking market
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Explore →Ludington banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is West Shore Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 14929.
Where is West Shore Bank headquartered?
West Shore Bank is headquartered in Ludington, Michigan, at 201 W Loomis St, Ludington, Michigan, 49431.
How large is West Shore Bank?
It reported $833.57M in assets and $720.20M in deposits for the period ending June 30, 2026.
How many locations does West Shore Bank have?
Bankular currently lists 9 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.