WEST SHORE BANK CORP is the parent banking group. WEST SHORE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

WEST SHORE BANK CORP

Legal name: WEST SHORE BANK CORPORATION

1 active bank · $828M combined assets

RSSD ID: 1206667 (FFIEC NIC)

Combined Assets

$828M

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWEST SHORE BANKLUDINGTON, MISatisfactory$828MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$828M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$697M

Net Income

$2M

ROA (avg)

0.88%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
WEST SHORE BANK	LUDINGTON, MI	FDIC	$828M	100.0%	Satisfactory	Mar 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.