26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee 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) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. 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-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.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Simple Secure Checking $6 · Interest Secure Checking $10
Compared at $8, the middle of its prices
Overdraft (OD)
Compared at $10, its standard fee, the highest of its prices
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
$120K
West Shore BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from West Shore Bank’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per month
per item
per item
per item
per day · 4 items
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Monthly fee | $6 | per month | None |
| Monthly service fee | $10 | per month | None |
| New Deposit Account closed within 90 Days (audience not stated, treated as personal) | $25 | Not stated | None |
| Dormant Account Fee (audience not stated, treated as personal) | $7 | 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 | $3 | 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) | $10 | Not stated | None |
| Overdraft fee (each �me we pay an overdraft caused by ATM and Everyday Debit Card Transactions) | No charge | per item | None |
| Overdraft fee (each �me we pay an overdraft) | $10 | per item | None |
| Overdrafts caused by Debit Card/ATM | No charge | Not stated | None |
| NSF Fees (Items Returned) (audience not stated, treated as personal) | No charge | Not stated | None |
| Savings Overdraft Transfer (audience not stated, treated as personal) | No charge | Not stated | None |
| Overdraft Daily Maximum Cap (audience not stated, treated as personal) | $40 | per day | 4 items |
ATM & Card | |||
| Foreign ATM | $1.50 | per item | None |
| Foreign ATM Cash Withdrawal (audience not stated, treated as personal) | $1.50 | Not stated | None |
| Debit Card Replacement (audience not stated, treated as personal) | $7 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wires | $25 | per item | None |
| Outgoing Domestic Wires (audience not stated, treated as personal) | $25 | per item | None |
| Incoming Domestic Wires (audience not stated, treated as personal) | $15 | per item | None |
Check Services | |||
| Cashier’s Checks (audience not stated, treated as personal) | $4 | Not stated | None |
| Personal Money Order (audience not stated, treated as personal) | $2 | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $35 | Not stated | None |
| Counter Checks (audience not stated, treated as personal) | $1 | per item | None |
| Check Cashing Fee (non-customer, not on us) (audience not stated, treated as personal) | $10 | Not stated | None |
| Collection Fee (not deposited at WSB) (audience not stated, treated as personal) | $20 | 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 charge | Not stated | None |
| Mobile Deposit (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Chargeback (Returned Deposited Item) (audience not stated, treated as personal) | No charge | Not stated | None |
Account Services | |||
| Notary Service (non-customer) (audience not stated, treated as personal) | $10 | Not stated | None |
| 3x10 & 4x10 Inch (audience not stated, treated as personal) | $45 | Not stated | None |
| 3x4, 3x5, 5x5 Inch (audience not stated, treated as personal) | $35 | Not stated | None |
| 5x10 & 6x10 Inch (audience not stated, treated as personal) | $60 | 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) | $90 | Not stated | None |
| Garnishments, Levies and Liens (audience not stated, treated as personal) | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Prepaid Gift Cards (audience not stated, treated as personal) | $4 | per item | None |
Other Fees | |||
| Activity/Statement Printout | $5 | Not stated | None |
| Additional Statement | $5 | Not stated | None |
| Fax Services (audience not stated, treated as personal) | $2.50 | 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.
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