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West Shore Bank
✓ FDIC-insured · Active FDIC Certificate #14929
West Shore Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Ludington, Michigan, established in 1898. As of the 06/30/2026 FDIC call report, it reported $834M in total assets and $720M in deposits. FDIC location data lists 9 offices in Michigan. The FDIC classifies it as a community bank. It is owned by the holding company WEST SHORE BANK CORP (Ludington, MI).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 9 of West Shore Bank's FDIC-listed offices are in Michigan. Browse banks in Ludington for other local options.
Branch locations
| West Shore Bank Frankfort Branch · Full Service - Brick And Mortar | 501 Main St Frankfort, MI 49635 Map ↗ |
| West Shore Bank Ludington Branch · Full Service - Brick And Mortar | 5725 West U.S. 10 Pere Marquette Township, MI 49431 Map ↗ |
| West Shore Bank Hart Branch · Full Service - Brick And Mortar | 4070 W Polk Rd Hart, MI 49420 Map ↗ |
| West Shore Bank Manistee Branch · Full Service - Brick And Mortar | 415 Parkdale Manistee, MI 49660 Map ↗ |
| West Shore Bank Scottville Branch · Full Service - Brick And Mortar | 107 W State St Scottville, MI 49454 Map ↗ |
| West Shore Bank Cypress Street Branch · Full Service - Brick And Mortar | 306 Cypress St Manistee, MI 49660 Map ↗ |
| West Shore Bank Onekama Branch · Full Service - Brick And Mortar | 4945 Main St Onekama, MI 49675 Map ↗ |
| West Shore Bank Traverse City Branch · Full Service - Brick And Mortar | 400 E Eighth St Traverse City, MI 49686 Map ↗ |
| West Shore Bank West Shore Bank · Full Service - Brick And Mortar | 201 W Loomis St Ludington, MI 49431 Map ↗ |
Holding company: WEST SHORE BANK CORP
The FDIC lists WEST SHORE BANK CORP, based in Ludington, MI, as the top holding company for West Shore Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Michigan
Active FDIC-insured banks headquartered in Michigan with total assets closest to West Shore Bank's $834M. See all banks in Michigan.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| United Bank of Michigan | Grand Rapids | $1.1B | 13 |
| Superior National Bank | Hancock | $1.0B | 10 |
| Sturgis Bank & Trust Company | Sturgis | $1.0B | 17 |
| First National Bank of Michigan | Kalamazoo | $989M | 7 |
| Oxford Bank | Oxford | $931M | 9 |
| First Independence Bank | Detroit | $875M | 5 |
| Thumb Bank and Trust | Pigeon | $673M | 13 |
| Tri-County Bank | Brown City | $639M | 12 |
West Shore Bank: common questions
Is West Shore Bank FDIC-insured?
Yes. West Shore Bank is an active FDIC-insured institution, FDIC Certificate #14929. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is West Shore Bank headquartered?
West Shore Bank is headquartered at 201 W Loomis St, Ludington, MI 49431, according to FDIC records.
How many branches does West Shore Bank have?
FDIC location data lists 9 offices for West Shore Bank, all in Michigan.
Who owns West Shore Bank?
The FDIC lists WEST SHORE BANK CORP of Ludington, MI as the top holding company for West Shore Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.