What You Can Find in Our CRA Public File
The Community Reinvestment Act encourages financial institutions to help meet the credit needs of the communities they serve, consistent with safe and sound banking operations. The following materials are available for public review as part of West Shore Bank’s CRA Public File.
If you need assistance accessing any of the documents listed below, please contact us using the information provided at the end of this document.
CRA Performance Evaluation
A copy of the public section of West Shore Bank’s most recent CRA Performance Evaluation prepared by our federal regulator.
CRA Performance Evaluation (Public Section)
Public Comments
Written comments received from the public that relate specifically to West Shore Bank’s CRA performance, along with any responses from the Bank, maintained for the applicable reporting period.
CRA Public Comments and Responses
Branch, ATM, and Service Information
Information regarding West Shore Bank branch locations, service locations, and other delivery systems, including addresses, applicable geographies, and hours of operation.
Branch and ATM Locations
Opened and Closed Locations
A listing of any branches or service locations opened or closed during the current year and the prior two calendar years, when applicable.
Opened and Closed Branches and Service Locations
Products, Services, and Fees
A general description of the deposit and loan products offered at West Shore Bank branches, including transaction fees and any material differences in services between locations, if applicable.
Products and Services Overview
Fee Schedules
Loans
Assessment Areas
Maps and listings identifying West Shore Bank’s CRA assessment areas, including the geographic boundaries and census tracts contained within each assessment area.
Assessment Area Maps
Assessment Area Geography Listings
Additional Public Disclosures
Certain CRA-related and mortgage lending disclosure information is made available to the public through federal reporting systems.
CRA Disclosure Statements
CRA Disclosure Statements are available through the Federal Financial Institutions Examination Council (FFIEC) CRA data systems.
Home Mortgage Disclosure Act (HMDA)
HMDA data regarding West Shore Bank’s residential mortgage lending activity is available through the Consumer Financial Protection Bureau (CFPB). This data includes information on the geographic distribution of loans and applications, as well as select applicant and loan characteristics.
Questions or Requests
If you have questions about West Shore Bank’s CRA Public File or would like assistance obtaining any of the information listed above, please contact:
West Shore Bank
CRA Contact: Jeremy Holmes
Email: jeremyh@westshorebank.com
Phone:
Mailing Address: 201 W. Loomis Street, PO Box 627, Ludington, MI 49431
Individuals who require accommodations to access this information are encouraged to contact us so we may assist.
