Listed locations
8
Institution profile
West Shore Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- West Shore Bank
- Display name
- West Shore Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- October 6, 1934
- Established date
- July 25, 1898
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Ludington, MI, 49431, United States
- FDIC certificate number
- 14929
- Federal Reserve RSSD ID
- 832546
- Domestic location count
- 9
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 14929
- Federal Reserve RSSD ID
- 832546
- Headquarters
- 201 West Loomis Street, Ludington, MI, 49431, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 8 of 8 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| FRANKFORT BRANCH | 501 West Main Street | Frankfort | MI | 49635 |
| HART BRANCH | 4070 West Polk Road | Hart | MI | 49420 |
| LUDINGTON BRANCH | 5725 West US 10 | Ludington | MI | 49431 |
| CYPRESS STREET BRANCH | 306 Cypress Street | Manistee | MI | 49660 |
| MANISTEE BRANCH | 415 Parkdale Avenue | Manistee | MI | 49660 |
| ONEKAMA BRANCH | 4945 West Main Street | Onekama | MI | 49675 |
| SCOTTVILLE BRANCH | 107 West State Street | Scottville | MI | 49454-0278 |
| TRAVERSE CITY | 400 East Eighth Street | Traverse City | MI | 49686 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- March 1, 2026
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| March 1, 2026 | Satisfactory | FDIC | Intermediate Small Bank |
| March 1, 2023 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2020 | Satisfactory | FDIC | Intermediate Small Bank |
| July 1, 2017 | Satisfactory | FDIC | Intermediate Small Bank |
| June 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| October 1, 2010 | Satisfactory | FDIC | Intermediate Small Bank |
| February 1, 2007 | Satisfactory | FDIC | Small Bank |
| December 1, 2003 | Satisfactory | FDIC | Small Bank |
| November 1, 1998 | Satisfactory | FDIC | Small Bank |
| November 1, 1995 | Outstanding | FDIC | Not Reported |
| August 1, 1993 | Outstanding | FDIC | Not Reported |
| February 1, 1991 | Outstanding | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| August 13, 2016 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | MICHIGAN CAPITAL FUND FOR HOUSING LIMITED PARTNERSHIP VIII | Domestic Entity Other | Lansing, MI |
| Direct relationship | STATE STREET INSURANCE AGENCY, INC. | Domestic Entity Other | Ludington, MI |
| ROOT_INSTITUTION | WEST SHORE BANK | Non-member Bank | Ludington, MI |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank