LAKE SHORE BANK

DUNKIRK, NY | Medium | Est. Jan. 1, 1891, midnight | FDIC #30530 | RSSD #301574 | FDIC
Latest Report: 2025-12-31

LAKE SHORE BANK is amn medium FDIC-insured commercial bank headquartered in DUNKIRK, NY, established in Jan. 1, 1891, midnight. As of 2025-12-31, the bank reported total assets of $728M and total deposits of $596M. Profitability stands at 1.03% ROA and 6.55% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 16.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 1.38%. FDIC Certificate #30530.

Assets

$728M

Deposits

$596M

Loans

$560M

Equity

$117M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 6.55%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.63%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.38%
NPA Ratio 0.23%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 16.06%
Tier 1 Capital 16.06%
Total Capital Ratio 16.86%
Leverage Ratio 16.65%
Loan-to-Deposit 94.06%

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