Lake Shore Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Lake Shore Bank carries far more capital than most banks of its size. It reported $736 million in assets at June 30, 2026. It funds 17.43% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 5.0% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Net income for the quarter rose 11% from a year earlier, to $2.2 million. Over the same year, loans grew 1.0% and deposits shrank 5.0%. Profitability lags: it returns 7.3% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Lake Shore Bank reported a return on assets of 1.19%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.18%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 128 E 4th St, Dunkirk, NY 14048
- County
- Chautauqua
- Metro Area
- Jamestown-Dunkirk, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1891
- Former names
- Lake Shore Savings Bank (2006-2025)
- Offices
- 11 domestic
- Employees (FTE)
- 84
- Domestic deposits
- $599.1M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $740.5M
- Average total loans
- $562.0M
- Average interest-bearing deposits
- $488.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30530
- Fed RSSD
- 301574
- SEC CIK
- 2059653 → filed by LAKE SHORE BANCORP, INC.
- Website
- www.mylsbank.com →
- Parent Holding Company
- LAKE SHORE BANCORP, INC. (RSSD 3793086) · LSBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Taylor M Gilden | CFO | CFO and Treasurer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lake Shore Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lake Shore Bank, freeLake Shore Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.43% | 1.19% | 0.25% | 1.18% | 4.00% |
| Q1 2026 | 17.54% | 1.07% | 0.28% | 1.29% | 3.96% |
| Q4 2025 | 16.65% | 1.01% | 0.30% | 1.38% | 3.79% |
| Q3 2025 | 16.34% | 1.27% | 0.33% | 1.54% | 3.66% |
| Q2 2025 | 14.37% | 1.13% | 0.32% | 1.85% | 3.81% |
| Q1 2025 | 14.31% | 0.67% | 0.62% | 3.71% | 3.45% |
| Q4 2024 | 13.83% | 0.88% | 0.69% | 4.12% | 3.28% |
| Q3 2024 | 13.37% | 0.79% | 0.74% | 4.34% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Shore Bank (main office) | Dunkirk , NY | 14048 | $140.4M |
| Fredonia Branch | Fredonia , NY | 14063 | $110.1M |
| Orchard Park Branch | Orchard Park , NY | 14127 | $66.7M |
| East Amherst Branch | East Amherst , NY | 14051 | $57.8M |
| West Ellicot Branch | Jamestown , NY | 14701 | $57.3M |
| Hamburg Branch | Hamburg , NY | 14075 | $45.0M |
| Kenmore Branch | Buffalo , NY | 14217 | $34.7M |
| Depew Branch | Depew , NY | 14043 | $33.0M |
| Snyder Branch | Buffalo , NY | 14226 | $27.0M |
| Westfield Branch | Westfield , NY | 14787 | $26.8M |
| Www.Mylsbank.Com Branch | Dunkirk , NY | 14048 | $360K |
Regulatory record
What the public regulatory sources show for Lake Shore Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- February 9, 2023, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Lake Shore Savings Bank
- July 13, 2022, OCC: Formal Agreement: Lake Shore Savings Bank
- Period: Most recent institution action February 9, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 93 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Lake Shore Bank
What are Lake Shore Bank's total assets?
As of the Q2 2026 filing, Lake Shore Bank reported total assets of $735.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lake Shore Bank headquartered?
Lake Shore Bank is headquartered in Dunkirk, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Lake Shore Bank founded?
Lake Shore Bank was established in 1891, per the FDIC institution directory.
Is Lake Shore Bank FDIC-insured?
Yes. Lake Shore Bank is an FDIC-insured commercial bank (FDIC Certificate #30530). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake Shore Bank?
Lake Shore Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Lake Shore Bank operate?
Lake Shore Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake Shore Bank's Texas Ratio?
Lake Shore Bank's Texas Ratio is 1.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Lake Shore Bank previously called?
The charter now named Lake Shore Bank has also operated as Lake Shore Savings Bank (2006-2025), per FDIC structure-change records.
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