WEST SHORE BANK
LUDINGTON, MICHIGAN · FDIC Cert #14929
Capital & Safety Analysis
According to FDIC financial data, WEST SHORE BANK holds a Tier 1 capital ratio of 10.53%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning WEST SHORE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
WEST SHORE BANK shows strong financial health indicators. With $766M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WEST SHORE BANK has a Bank Health Score of B (73/100). It holds a Tier 1 capital ratio of 10.53%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WEST SHORE BANK holds $766M in total assets and $673M in total deposits. It is located in LUDINGTON, MICHIGAN (FDIC Certificate #14929).
WEST SHORE BANK has a Tier 1 capital ratio of 10.53%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.08%, and the return on assets is 0.55%.
Yes. WEST SHORE BANK is FDIC-insured (Certificate #14929). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.