SBA lender profile
West Shore Bank
West Shore Bank appears in the public SBA loan data with 90 funded 7(a) loans since FY2010, totaling $56.2M, an average of $625K per loan, and an estimated 1,039 jobs supported. Its SBA lending concentrates in Michigan and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 86
- Scale 53
- Activity 67
- Consistency 65
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is West Shore Bank the right lender for you?
Lenders fund what they know. West Shore Bank's SBA lending concentrates in Michigan (89 loans) and Retail Trade (23 loans), at an average loan of $625K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $828M
- Headquarters
- Ludington, MI
- FDIC cert
- #14929
- Status
- Active
Where West Shore Bank lends
Top states by funded SBA volume.
Metro areas where West Shore Bank funds
What West Shore Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 23 | $18.4M |
| Accommodation and Food Services | 20 | $9.2M |
| Administrative and Support | 7 | $6.0M |
| Manufacturing | 6 | $4.5M |
| Other Services | 10 | $4.5M |
| Arts, Entertainment, Recreation | 3 | $3.5M |
West Shore Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 7 | $3.2M |
| 2011 | 2 | $740K |
| 2013 | 1 | $308K |
| 2014 | 1 | $333K |
| 2016 | 5 | $2.7M |
| 2017 | 4 | $1.8M |
| 2018 | 8 | $2.6M |
| 2019 | 1 | $800K |
| 2020 | 3 | $1.1M |
| 2021 | 21 | $13.0M |
| 2022 | 14 | $12.4M |
| 2023 | 12 | $5.4M |
| 2024 | 11 | $11.8M |
Related SBA lenders
Other lenders active in Michigan or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
West Shore Bank: frequently asked questions
Does West Shore Bank offer SBA loans?
Yes. West Shore Bank appears in the public SBA data with 90 funded SBA 7(a) loans totaling $56.2M.
How many SBA loans has West Shore Bank made?
West Shore Bank is associated with 90 SBA 7(a) loans totaling $56.2M in the public SBA data (as of 2026-03-31).
What is West Shore Bank's SBA charge-off rate?
About 0.0% of West Shore Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does West Shore Bank do most of its SBA lending?
West Shore Bank's SBA lending in the data is most concentrated in Michigan, and by industry in Retail Trade.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). West Shore Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/west-shore-bank/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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