This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Kalamazoo, MI
Health score
71.1
Total assets
$988.9M
Bank
Ludington, MI
Health score
72.5
Total assets
$833.6M
Answer first
First National Bank of Michigan leads on profitability and lending quality; West Shore Bank leads on financial health and capitalization and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
West Shore Bank
Higher TFS health score
Capitalization
West Shore Bank
Higher comparable capital ratio
Profitability
First National Bank of Michigan
Higher return on assets
Lending quality
First National Bank of Michigan
Lower problem-loan measure
Growth
West Shore Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | First National Bank of Michigan | West Shore Bank |
|---|---|---|
| TFS health score | 71.1/100 | 72.5/100Leads |
| Total assets | $988.9M | $833.6M |
| Total deposits / shares | $807.2M | $720.2M |
| Tier 1 capital ratio | 9.54% | 9.85%Leads |
| Return on assets | 0.98%Leads | 0.83% |
| Return on equity | 10.85%Leads |
First National Bank of Michigan
7 branches
West Shore Bank
9 branches
Both institutions report branches in 1 state: MI.
First National Bank of Michigan
Unavailable
West Shore Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
First National Bank of Michigan
0 in TFS registry
West Shore Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | First National Bank of Michigan score | First National Bank of Michigan ROA | West Shore Bank score | West Shore Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.56% | — | 0.63% |
| 2024-Q4 | — | 0.57% | — | 0.72% |
| 2025-Q1 | — | 0.66% | — | 0.69% |
| 2025-Q2 | — | 0.67% | — | 0.82% |
| 2025-Q3 | — | 0.75% | — | 0.91% |
| 2025-Q4 | — | 0.77% | — | 0.86% |
| 2026-Q1 | 67.4/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 8.99% |
| Non-performing loans | 0.80%Leads | 1.24% |
| Net charge-offs | -0.00%Leads | 0.00% |
| Efficiency ratio | 58.75%Leads | 76.64% |
| Loan-to-deposit ratio | 100.89% | 90.70% |
| Asset growth (YoY) | 0.84% | 5.57%Leads |
| Deposit / share growth (YoY) | 3.87% | 10.44%Leads |
| Branches | 7 | 9 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.92% |
| 75.5/100 |
| 0.88% |
| 2026-Q2 | 71.1/100 | 0.98% | 72.5/100 | 0.83% |