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BDI
WS

West Shore Bank

Ludington, MichiganFDIC Cert #14929

STATEEstablished 18989 branches

Holding company: WEST SHORE BANK CORPRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$608M$528M
Q3 2021$702M$587M
Q4 2021$708M$586M
Q1 2022$704M$589M
Q2 2022$724M$616M
Q3 2022$705M$635M
Q4 2022$686M$567M
Q1 2023$690M$567M
Q2 2023$690M$541M
Q3 2023$742M$619M
Q4 2023$721M$595M
Q1 2024$734M$600M
Q2 2024$766M$673M
Q3 2024$809M$704M
Q4 2024$768M$659M
Q1 2025$778M$659M
Q2 2025$790M$652M
Q3 2025$837M$700M
Q4 2025$820M$686M
Q1 2026$828M$697M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$828M
+6.4%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$697M
+5.8%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$642M
+8.5%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$636M
+8.5%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$89M
−24.3%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$49.3M
+137.0%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$751M
+4.9%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$76.6M
+22.7%y/y
Peer standing79th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$9.25M
+18.4%y/y
Peer standing89th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$7.56M
+14.4%y/y
Peer standing87th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$1.69M
+40.5%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$90K
−59.1%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$2.19M
+39.3%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$1.81M
+36.5%y/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC