Compared with Michigan
13 of 25
compared fees are above the median.
9 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
27th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Michigan median
of 25 compared; 9 below, 3 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for West Shore Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | West Shore Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.3% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (27th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $120K in Q2 2026, 2.4% below the same quarter a year earlier ($123K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 25 compared published fees sit above the Michigan median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Michigan medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $10, its standard fee, the highest of its prices
Monthly Maintenance
Simple Secure Checking $6 · Interest Secure Checking $10
Compared at $8, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 4.8% from Q3 2025 to Q2 2026, to $120K. Its share of revenue, 1.3%, is below the 2.1% median for banks with $300M to $1B in assets.
$120K
West Shore BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $0 to $10; we compare the highest. Monthly maintenance: Listed at $6 to $10; we compare the midpoint.
West Shore Bank · $834M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| West Shore Bank(this institution) | Ludington, MI | $834M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of the West | Grapevine, TX | $830M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankIowa | Cedar Rapids, IA | $846M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barwick Banking Company | Barwick, GA | $830M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CIBM Bank | Champaign, IL | $820M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank | Corvallis, OR | $823M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cumberland Valley National Bank & Trust Company | London, KY | $816M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Freedom Bank | Lebanon, TN | $818M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Resource Bank | Exton, PA | $841M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank of Middlebury | Middlebury, IN | $836M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Utah Bank | Salt Lake City, UT | $840M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Focus Bank | Charleston, MO | $854M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hana Bank USA, National Association | Fort Lee, NJ | $835M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hebron Savings Bank | Hebron, MD | $839M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Macon Bank and Trust Company | Lafayette, TN | $821M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Minneapolis, MN | $837M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oregon Pacific Bank | Florence, OR | $825M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Pendleton Community Bank, Inc. | Franklin, WV | $850M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Bank | Rock Valley, IA | $826M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quail Creek Bank | Oklahoma City, OK | $831M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rollstone Bank & Trust | Fitchburg, MA | $816M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Bank | Elroy, WI | $816M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas National Bank of Jacksonville | Jacksonville, TX | $852M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Old Fort Banking Company | Old Fort, OH | $844M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Southern Bank | Umatilla, FL | $843M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilson & Muir Bank & Trust Company | Bardstown, KY | $818M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its two prices, against a peer median of $8.75 among 14 publishing peers.
Its two checking prices are $6 and $10.
$8 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for West Shore Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $120K | −$3K | −2.4% |
| Q1 2026 | $123K | −$2K | −1.6% |
| Q4 2025 | $125K | −$1K | −0.8% |
| Q3 2025 | $126K | +$3K | +2.4% |
| Q2 2025 | $123K | +$2K | +1.7% |
| Q1 2025 | $121K | −$5K | −4.0% |
| Q4 2024 | $126K | +$2K | +1.6% |
| Q3 2024 | $124K | +$2K | +1.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, West Shore Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to West Shore Bank by share.
Amounts from West Shore Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per item
per item
per item
per day · 4 items
per item
per item
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Monthly fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Deposit Account closed within 90 Days (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance ($30 Min) (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Undeliverable Statement/Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft (items paid) (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft fee (each �me we pay an overdraft caused by ATM and Everyday Debit Card Transactions) | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee (each �me we pay an overdraft) | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdrafts caused by Debit Card/ATM | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fees (Items Returned) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Savings Overdraft Transfer (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Daily Maximum Cap (audience not stated, treated as personal) | $40Below the U.S. middle 50% ($100 to $162.50 nationally) | per day | 4 items |
ATM & Card | |||
| Foreign ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Cash Withdrawal (audience not stated, treated as personal) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wires | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing Domestic Wires (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Domestic Wires (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks (audience not stated, treated as personal) | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Order (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee (non-customer, not on us) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee (not deposited at WSB) (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Image Fee | $3Not compared: Monthly charge, not per item | per month | None |
Digital & Electronic | |||
| Bill Pay (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback (Returned Deposited Item) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (non-customer) (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 3x10 & 4x10 Inch (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x4, 3x5, 5x5 Inch (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10 & 6x10 Inch (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Appointment/Emergency Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Late Charge | $20Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10.5x10.5 Inch (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments, Levies and Liens (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Prepaid Gift Cards (audience not stated, treated as personal) | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Activity/Statement Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Additional Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Services (audience not stated, treated as personal) | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where West Shore Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $720.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $606.8M |
| 2 | $113.4M |
Traverse City, MI
2.4% of bank deposits, #9 of 13.
| Largest competitors here | Deposit share |
|---|---|
| The Huntington National Bank | 39.5% |
| Fifth Third Bank, National Association | 14.8% |
| JPMorgan Chase Bank, National Association | 11.2% |
| Independent Bank | 9.1% |
| State Savings Bank | 7.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Traverse City, MI, West Shore Bank holds 2.4% of bank deposits, #9 of 13, with 2 offices.
62 offices of 22 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 13 institutions shown. $4.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 2.4% share, 2 offices, #9 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
19 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.