$642M
+8.5%y/y
Percentile by value91st percentileby value
FDIC
LNLSGRWS
West Shore Bank
Ludington, MichiganFDIC Cert #14929
STATEEstablished 18989 branches
Holding company: WEST SHORE BANK CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $183M |
| Investor CRE | $77.1M |
| Multifamily | $27.8M |
| Construction | $44.1M |
| 1–4 family | $175M |
| C&I | $111M |
| Agriculture | $3.6M |
| Other | $20.5M |
Loan book
Reported balances and balance-sheet intensity.
$636M
+8.5%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET+8.52%
−40.0%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET91.3%
+2.6%y/y
Percentile by value78th percentileby value
FDIC
LNLSNET + DEP76.8%
+2.0%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET + ASSET85.92%
+3.0%y/y
Percentile by value56th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
174%
−1.8%y/y
Percentile by value51st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC52%
+27.7%y/y
Percentile by value63rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,107points
−1.1%y/y
Peer standing48th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD28.49%
−2.6%y/y
Percentile by value95th percentileby value
FDIC
LNRENROW + LNLSGR12.01%
−9.6%y/y
Percentile by value43rd percentileby value
FDIC
LNRENROT + LNLSGR17.32%
−6.4%y/y
Percentile by value83rd percentileby value
FDIC
LNCI + LNLSGR