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2016 Combined Statements
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About Us

In 2011, West Shore Bank was announced as one of the top 200 community banks in America by U.S. Banker, a national banking publication.

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Core Values


  • We are committed to the communities we serve by way of providing employment, supporting community projects and events and being a responsible corporate citizen.
  • We are committed to our customers by providing quality products and services at a fair price, local decision-making and superior customer service.
  • We are committed to our employees by providing a work environment which encourages individual initiative, promotes personal growth and assures that every employee will be treated with dignity and respect.
  • We are committed to our shareholders by striving to constantly maximize shareholder value.


  • We will treat everyone in an equitable and consistent manner.
  • We will protect and safeguard all customer information.
  • We will create an environment which earns and maintains customer trust.

Financial Responsibility

  • We will aspire to consistently achieve reasonable growth and profitability.
  • We will manage in a fashion which promotes sound financial principles.


  • We believe that we can best meet the needs of the communities we serve, our customers, employees and shareholders by remaining an independent community bank.
Retail Locations: Ludington Downtown  |  Ludington East  |  Hart  |  Scottville  |  Manistee South  |  Manistee Parkdale  |  Onekama  |  Frankfort  |  Quick Cash ATMs