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
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