West Shore Bank (FDIC #14929): Bank Stress & Real-Estate Credit Exposure
West Shore Bank (FDIC Cert #14929): bank stress 76/100, severe, STABLE over 7 days; parent WEST SHORE BANK CORP.
West Shore Bank (#14929) lends in 5 counties across 1 state; West Shore Bank (#14929) reaches 49 ZIP codes: Michigan 5 counties, 49 ZIPs.
West Shore Bank (#14929) largest markets: Manistee County, MI (45 branches, 15 ZIPs) (#14929), Oceana County, MI (12 branches, 12 ZIPs) (#14929), Benzie County, MI (11 branches, 11 ZIPs) (#14929), Grand Traverse County, MI (11 branches, 11 ZIPs) (#14929), Mason County, MI (30 branches, 10 ZIPs) (#14929).
West Shore Bank (#14929) reports $833.6 million in total assets; West Shore Bank (#14929) equity $78.2 million (9.4% of West Shore Bank (#14929) assets); West Shore Bank (#14929) domestic deposits $720.2 million; West Shore Bank (#14929) net income $3.4 million; West Shore Bank (#14929) return on assets 0.83%; West Shore Bank (#14929) return on equity 8.99%; West Shore Bank (#14929) net interest income $15.1 million; West Shore Bank (#14929) call report June 30, 2026.
West Shore Bank (#14929) noncurrent real-estate loans: none reported; West Shore Bank (#14929) net charge-offs on real estate 1.29%; West Shore Bank (#14929) residential charge-offs 2.57%.
West Shore Bank (#14929) net interest margin 3.98% against an eight-quarter West Shore Bank (#14929) average of 3.80% (West Shore Bank (#14929) compression -0.18 points); West Shore Bank (#14929) non-residential real estate 257.5% of equity; West Shore Bank (#14929) rate-exposure score 40/100, West Shore Bank (#14929) fixed-rate trap 40/100; West Shore Bank (#14929) risk type credit driven; West Shore Bank (#14929) rate regime rates elevated, West Shore Bank (#14929) snapshot October 19, 2026.
West Shore Bank (#14929) stress score moved from 74 on June 22, 2026 to 76.1 on October 19, 2026; West Shore Bank (#14929) ranged 74 to 76.1 over 116 snapshots.
West Shore Bank (#14929) alerts: 5 counties; top West Shore Bank (#14929) alert scores: Frankfort County, MI 26 (low); Hart County, MI 26 (low); Onekama County, MI 26 (low); Scottville County, MI 26 (low); Traverse City County, MI 26 (low).