Lake Shore Bank
Lake Shore Bank is an FDIC-insured commercial bank headquartered in Dunkirk, NY, supervised by the FDIC, with $733.5M in total assets at Q3 2026, down 1.4% from Q3 2025, the 57th largest of 105 banks headquartered in New York. It was established in 1891 and holds FDIC certificate 30530. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.56% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30530
- Headquarters
- Dunkirk, NY
- Established
- 1891
- Total assets, Q3 2026
- $733.5M
- Assets vs Q3 2025
- -1.4%
- Tier 1 leverage ratio, Q3 2026
- 17.56%
- Domestic offices
- 11 branches
- Routing number
- 222371656
- Safety and soundness
- Is Lake Shore Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Lake Shore Bank call report
- Holding company
- LAKE SHORE BANCORP, INC.
- Asset rank in state
- 57th of 105 in New York
Lake Shore Bank carries far more capital than most banks of its size. Its balance sheet stood at $733 million at September 30, 2026, down 1.4% from a year earlier; it is based in Dunkirk, New York. It funds 17.56% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,624 banks with $100 million to $1 billion in assets (median 11.13%). It also lost 2.6% of its deposits over the year, lower than about three-quarters of banks its size (median 3.8%).
Loans and deposits moved in opposite directions: over the year loans rose 3.9% and deposits fell 2.6%. Profitability lags: it returns 7.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.7%).
As of September 30, 2026, Lake Shore Bank reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.40%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Lake Shore Bank is the 57th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 0.3% to $733.5M, loans rose 2.9% and deposits fell 0.3%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 36.1% of total loans, followed by non-owner-occupied commercial real estate loans at 24.6%. The FDIC Summary of Deposits lists 11 offices for it, in 9 cities in NY; its Dunkirk 2 offices book 23% of its branch deposits. By the capital ratios in its Q3 2026 call report, Lake Shore Bank meets the community bank leverage ratio test for well capitalized.
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
- 1891
- Former names
- Lake Shore Savings Bank (2006-2025)
- Domestic offices
- 11 branches
- Employees (FTE)
- 80
- Domestic deposits
- $597.1M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $748.6M
- Average total loans
- $569.9M
- Average interest-bearing deposits
- $479.9M
- 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
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Lake Shore Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Lake Shore Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Lake Shore Bank's total assets ran between $685.2M (Q4 2024) and $743.9M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$733.5M total assets against $743.9M; $613.0M total liabilities against $629.9M.
$574.1M net loans and leases against $552.7M; $597.1M total deposits against $613.1M.
$48.2M securities against $56.0M; $57.3M cash and balances due against $83.4M.
$9.7M total interest income against $9.4M; $2.6M total interest expense against $3.1M.
$7.1M net interest income against $6.3M.
$751K total noninterest income against $920K; $4.7M total noninterest expense against $4.7M.
$291K provision for credit losses against -$269K.
$2.3M net income against $2.4M.
1.23% return on assets against 1.27%; 4.09% net interest margin against 3.66%.
17.56% tier 1 leverage ratio against 16.34%.
Inside the full Lake Shore Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Lake Shore Bank rankings
Its closest position to the top of a national ranking is 1,328 of 4,193, for total assets; its furthest is 2,541 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.67% (Q1 2025) to 1.27% (Q3 2025) and its net interest margin ran from 3.28% (Q4 2024) to 4.09% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 17.56% | 1.23% | 0.29% | 1.40% | 4.09% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 172 applications, 117 loans originated, $31.1M originated, across 2 states
- Period: Calendar year 2025. 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lake Shore Bank
What are Lake Shore Bank's total assets?
As of the Q3 2026 filing, Lake Shore Bank reported total assets of $733.5 million in its FFIEC call report.
Where is Lake Shore Bank headquartered?
It is headquartered in Dunkirk, NY, United States.
When was Lake Shore Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Lake Shore Bank FDIC-insured?
Yes. It 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.
How many branches does Lake Shore Bank operate?
It 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?
Its Texas Ratio is 1.40% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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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