Lake Shore Bank

Dunkirk, NY
IDRSSD: 301574
Total Assets
$743.92M
Latest filing
Total Deposits
$613.10M
Latest filing
Net Interest Margin
3.70%
Profitability

Locations

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Main Office
Lake Shore Bank
128 E 4th St
Dunkirk, NY 14048
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1891FDIC Certificate 43364

Branches (10)

Page 1 of 2
NameAddressCity / State
Lake Shore Bank (Main)128 E 4th StDunkirk, NY
FREDONIA BRANCH30 E Main StFredonia, NY
WEST ELLICOT BRANCH1 S Green AveJamestown, NY
WESTFIELD BRANCH106 E Main StWestfield, NY
ORCHARD PARK BRANCH3111 Union RdOrchard Park, NY
EAST AMHERST BRANCH5751 Transit RdEast Amherst, NY
HAMBURG BRANCH59 Main StHamburg, NY
KENMORE BRANCH3438 Delaware AveBuffalo, 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

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1891
Community BankYes
Ownership TypeNot Mutual
ZIP14048
State and County Number36013
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number02
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameJamestown-Dunkirk-Fredonia, NY

Operational Info

Number of Employees95
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date07/18/2025
Date of Deposit Insurance08/09/1989
Primary Insurance AgencyDIF
Websitewww.mylsbank.com
Data Updated11/14/2025
CERT30530
Office of The Comptroller District:
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$743.92M
Total Deposits$613.10M
Total Liabilities$629.86M
Total Equity Capital$114.06M
Net Income$2.38M
Net Loans and Leases$552.68M
Assets Per Employee ($Millions)$8M
Bank Premises and Fixed Assets$8.01M
Cash and Balances due from Depository Institutions$83.41M
Deposits Held in Domestic Offices$613.10M

Key Performance Ratios

Return on Assets (ROA)1.29%
Return on Equity (ROE)9.3%
Net Interest Margin3.7%
Efficiency Ratio65%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.15%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets15.332%
Earning Assets to total Assets92.63%

Income and Expense

Total Interest Income$9.41M
Total Noninterest Income$920.00k
Total Interest Expense$3.08M
Total Noninterest Expense$4.72M
Net Interest Income$6.33M
Pre-tax Net Operating Income$2.81M
Provision for Credit Losses$-269,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$7.54M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$9.23M
Total Liabilities and Capital$743.92M

Securities

Securities$56.05M
Available-for-sale debt securities$55.79M
Equity securities with readily determinable fair values not held for trading$0
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?
$743.92M as of the latest filing.
How much are Lake Shore Bank's total deposits?
$613.10M in total deposits.
Where is Lake Shore Bank located?
Dunkirk, NY.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$552.68M (latest filing).
What is the total interest income (latest filing)?
$9.41M.