West Shore Bank
Ludington, MI · Cert 14929 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · West Shore Bank Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$833.6MAssets
$659.4MLoans
$720.2MDeposits
$78.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 62% of banks under $1B in assets operating in a single state (rank 285 of 743).
- Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets operating in a single state (rank 582 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.83%
Rank 504 of 746
Net Interest Margin
3.69%
Rank 367 of 746
Efficiency Ratio
76.64%
Rank 574 of 746
Equity / Assets
9.38%
Rank 508 of 746
Non-interest income vs. expense
Unfavorable gap of $21.6M · efficiency ratio beats 23% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 32% | 504 / 746 | | |
| Return on Equity | 8.80% | 6.74% | 10.51% | 13.63% | Beats 39% | 455 / 746 | | |
| Net Interest Margin | 3.69% | 3.17% | 3.68% | 4.16% | Beats 51% | 367 / 746 | | |
| Efficiency Ratio | 76.64% | 55.74% | 64.58% | 75.47% | Beats 23% | 574 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.09% | 0.42% | 1.07% | Beats 22% | 582 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 285 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.68% | 11.55% | 13.75% | 17.60% | Beats 26% | 551 / 746 | | |
| Total Risk-Based Capital Ratio | 12.62% | 11.71% | 14.33% | 18.43% | Beats 33% | 498 / 746 | | |
| Equity / Assets | 9.38% | 8.90% | 10.51% | 13.06% | Beats 32% | 508 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.56% | 61.31% | 78.27% | 90.78% | 77th pctl | 174 / 746 | | |
| Loans / Assets | 79.11% | 53.60% | 66.97% | 76.08% | 83rd pctl | 127 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |