Lake Shore Bank
Dunkirk, NY
IDRSSD: 301574
Total Assets
$727.59M
Latest filing
Total Deposits
$595.74M
Latest filing
Net Interest Margin
3.87%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
222371656DUNKIRK, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Lake Shore Bank
128 E 4th St
Dunkirk, NY 14048
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1891FDIC Certificate 43364
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Lake Shore Bank (Main) | 128 E 4th St | Dunkirk, NY |
| FREDONIA BRANCH | 30 E Main St | Fredonia, NY |
| WEST ELLICOT BRANCH | 1 S Green Ave | Jamestown, NY |
| WESTFIELD BRANCH | 106 E Main St | Westfield, NY |
| ORCHARD PARK BRANCH | 3111 Union Rd | Orchard Park, NY |
| EAST AMHERST BRANCH | 5751 Transit Rd | East Amherst, NY |
| HAMBURG BRANCH | 59 Main St | Hamburg, NY |
| KENMORE BRANCH | 3438 Delaware Ave | Buffalo, NY |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14048 |
| State and County Number | 36013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Jamestown-Dunkirk-Fredonia, NY |
Operational Info
| Number of Employees | 93 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/18/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.mylsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 30530 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $727.59M |
| Total Deposits | $595.74M |
| Total Liabilities | $610.60M |
| Total Equity Capital | $116.99M |
| Net Income | $1.89M |
| Net Loans and Leases | $555.45M |
| Assets Per Employee ($Millions) | $7.82M |
| Bank Premises and Fixed Assets | $7.81M |
| Cash and Balances due from Depository Institutions | $64.73M |
| Deposits Held in Domestic Offices | $595.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 6.55% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 67.13% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.08% |
| Earning Assets to total Assets | 92.47% |
Income and Expense
| Total Interest Income | $9.52M |
| Total Noninterest Income | $640.00k |
| Total Interest Expense | $2.93M |
| Total Noninterest Expense | $4.86M |
| Net Interest Income | $6.59M |
| Pre-tax Net Operating Income | $2.34M |
| Provision for Credit Losses | $41.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.24M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.62M |
| Total Liabilities and Capital | $727.59M |
Securities
| Securities | $56.14M |
| Available-for-sale debt securities | $56.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lake Shore Bank?
$727.59M as of the latest filing.
How much are Lake Shore Bank's total deposits?
$595.74M in total deposits.
Where is Lake Shore Bank located?
Dunkirk, NY.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$555.45M (latest filing).
What is the total interest income (latest filing)?
$9.52M.