BlastPoint's Banking Scorecard

West Shore Bank

$100M-$1B Specialty: Commercial MI FDIC cert 14929

Ludington, MI

9 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
Deposits +10.4% year over year ($720.2M on the books).
Delinquency rate 1.25%.
Return on assets 0.83%.
Efficiency ratio 76.64% vs a 64.48% peer average.
Loan-to-deposit ratio 90.70% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

West Shore Bank faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 42.4% in tier
- ROA 0.49% below tier average
- Efficiency Ratio 12.16% above tier average
- Delinquency Rate 0.33% above tier average

Get updates when West Shore Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$833.6M +5.6% YoY +0.7% QoQ	+$447.0M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	Top 6.4% in tier
Total Loans ?	$653.2M +10.1% YoY +2.7% QoQ	+$394.8M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	Top 3.9% in tier
Total Deposits ?	$720.2M +10.4% YoY +3.4% QoQ	+$393.5M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	Top 5.5% in tier
Return on Assets ?	0.83% +1.5% YoY -5.5% QoQ	-0.49%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	3.98% +3.6% YoY -0.4% QoQ	+0.00%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	76.64% +2.9% YoY +1.7% QoQ	+12.16%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	1.25% +361.3% QoQ	+0.33%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	23%
Loan-to-Deposit Ratio ?	90.70% -0.3% YoY -0.7% QoQ	+12.74%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	19.91% -8.0% YoY +8.4% QoQ	-2.12%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.98% +370.5% QoQ	+0.31%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	11.68% +10.3% YoY -0.8% QoQ	-4.23%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.40% +16.1% YoY +97.5% QoQ	-0.16%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	Top 14.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Noninterest-Bearing	19.9% -1.7pp YoY +1.5pp QoQ	-2.2pp	22.1%	25.9%	22.2%	45%
Brokered Deposits	2.2% -2.0pp YoY -0.1pp QoQ	-5.6pp	7.9%	12.3%	8.5%	31%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	17.4% -0.3pp YoY -0.1pp QoQ	+5.9pp	11.6%	12.8%	12.5%	83%
CRE	50.7% -2.3pp YoY -1.4pp QoQ	+11.2pp	39.5%	45.9%	41.4%	71%
1-4 Family	29.4% +3.0pp YoY +1.8pp QoQ	-3.3pp	32.6%	33.6%	31.3%	50%
Consumer	2.0% -0.5pp YoY -0.2pp QoQ	-2.1pp	4.1%	4.6%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	11.7% +1.1pp YoY -0.1pp QoQ	-7.1pp	18.8%	26.9%	19.7%	13%
Leverage Ratio	9.8% +0.9pp YoY +0.3pp QoQ	-2.3pp	12.2%	12.3%	12.6%	28%
Total Capital Ratio	12.6% +1.1pp YoY -0.1pp QoQ	-7.3pp	19.9%	27.9%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	137 +5 (+3.8%) YoY +3 (+2.2%) QoQ	+78	58	134	482	96%
Assets per Employee ($)	$6.1M +1.7% YoY -1.5% QoQ	-$1.4M	$7.5M	$6.8M	$8.8M	35%
Branch Count	9 0 YoY 0 QoQ	+4	4	9	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.2%	0.4%	25%
Nonaccrual	1.2% +1.2pp YoY +1.0pp QoQ	+0.3pp	0.9%	0.8%	1.0%	76%
Allowance Coverage	0.77x -95.1% YoY -78.6% QoQ	-23.39x	24.15x	6.79x	20.23x	19%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	9.0% -1.2pp YoY -0.6pp QoQ	-3.2pp	12.2%	11.7%	11.6%	31%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.5%	1.7%	60%
Net Income ($, YTD)	$3.4M +7.8% YoY — QoQ	+$885K	$2.6M	$7.3M	$40.4M	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#294 of 691 • Bottom 42.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.70%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

105

Total Loans

size

Value: $653.18M

Peer Median: $258.35M

#105 of 2643 Top 3.9% in $100M-$1B

147

Total Deposits

size

Value: $720.20M

Peer Median: $326.73M

#147 of 2643 Top 5.5% in $100M-$1B

170

Total Assets

size

Value: $833.57M

Peer Median: $386.57M

#170 of 2643 Top 6.4% in $100M-$1B

384

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#384 of 2643 Top 14.5% in $100M-$1B

Top Weaknesses (5 metrics)

2170

Efficiency Ratio

profitability

Value: 76.64%

Peer Median: 64.48%

#2170 of 2643 Bottom 17.9% in $100M-$1B

2094

Nonperforming Asset Ratio

credit_quality

Value: 0.98%

Peer Median: 0.67%

#2094 of 2643 Bottom 20.8% in $100M-$1B

2023

Delinquency Rate

credit_quality

Value: 1.25%

Peer Median: 0.92%

#2023 of 2633 Bottom 23.2% in $100M-$1B

1992

Loan-to-Deposit Ratio

liquidity

Value: 90.70%

Peer Median: 77.95%

#1992 of 2643 Bottom 24.7% in $100M-$1B

1986

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.32%

#1986 of 2643 Bottom 24.9% in $100M-$1B