FDIC Cert #14929 · Ludington, Michigan · Est. 1898

West Shore Bank - FDIC Bank Health Profile

A community-scale look at West Shore Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$820M
Total assets
B
Health grade · Good
0.86%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

West Shore Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.58% Tier 1, 0.86% ROA, 75% efficiency ratio.

#1,238
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
11.58%
Tier 1 ratio - above the 10% well-capitalized line
33rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 14929 · MI B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3367/4307
  • PHOTO-FINISH Kish Bank · PA
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 2.2% Texas
  • ROA-PAR 0.86% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: Kish Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around West Shore Bank

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Home State Bank · IA · near66/100Kish Bank · PA · near66/100The First National B… · IL ·…66/100West Shore Bank · MI · this …66/100Williamstown Bank, I… · WV ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around West Shore Bank · July 2026

Call Report read for West Shore Bank in a high-failure state

West Shore Bank (FDIC Cert #14929) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,367 of 4,307. Tier 1 capital prints at 11.58%, clearing the 10% well-capitalized line. The Texas Ratio is 2.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.86%. Balance-sheet scale is $820M, 1,238th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Kish Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around West Shore Bank

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

West Shore Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about West Shore Bank's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How West Shore Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
West Shore Bank's composite health score
Tier 1 Capital Ratio (11.58%) 28/40
Return on Assets (ROA) (0.86%) 14/25
Texas Ratio (2.17%) 20/20
Efficiency Ratio (74.55%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$820M

Total balance-sheet footings

Total Deposits

$686M

Customer-funded liabilities

Net Loans

$634M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.18% 11.58% 12.98%
Basel III capital ratios - West Shore Bank

Where West Shore Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Shore Bank's score of 66/100 falls in the highlighted band.

West Shore Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. West Shore Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

West Shore Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). West Shore Bank's $820M falls in the highlighted band.

Capital & credit buffers at West Shore Bank

Tier 1 capital ratio
Well-capitalized 10%

11.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.58%
Texas Ratio
2.17%
Equity Capital
$75M

What these ratios mean →

Profitability metrics: West Shore Bank

Return on Assets (ROA)
33rd percentile nationally
0.86%
Return on Equity (ROE)
10.21%
Efficiency Ratio
74.55%

What these mean →

Income & expense at West Shore Bank

$43M
Interest Income
$6M
Non-Interest Income
$26M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. West Shore Bank reports a Texas Ratio of 2.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View West Shore Bank on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($820M here), outside Michigan so the neighborhood is not state containment.

Titan Bank $820M · TX Citizens 1st Bank $820M · TX Timberline Bank $819M · CO KS Bank, Inc. $822M · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Shore Bank (FDIC Cert #14929) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

West Shore Bank Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
Northpointe BankGrand Rapids $7.0B B 1.39%
First National Bank of AmericaEast Lansing $6.7B A 2.94%
Mercantile BankGrand Rapids $6.2B A 1.61%
Independent BankGrand Rapids $5.5B B 1.33%
ChoiceOne BankSparta $4.4B B 0.79%
Macatawa Bank, National AssociationHolland $3.7B A 1.39%
Bank of Ann ArborAnn Arbor $3.3B A 1.72%
Isabella BankMount Pleasant $2.2B B 1.02%