Lake Shore Bank: Balance Sheet
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Data as of · Call Report Schedule RC How we update
Lake Shore Bank reported all 25 line items on this page on its Q3 2026 filing. Total assets was $733.5M in Q3 2026, down 1.4% from $743.9M in Q3 2025. Across the 12 quarters shown it ranged from $685.2M (Q4 2024) to $743.9M (Q3 2025).
The standout move of Q3 2026 was in Cash and balances due from depository institutions: 20.3% lower than in Q2 2026, at $57.3M. Within New York, Lake Shore Bank is 57th of 105 on total assets, $733.5M as of Q3 2026. Lake Shore Bank's total assets of $733.5M is well above the $323.9M median for banks in the $100M-1B asset tier, a gap of 126% (Q3 2026).
Assets
| Line item | Q3 2026 |
|---|---|
| Total assets | $733.5M |
| Cash and balances due from depository institutions | $57.3M |
| Total securities | $48.2M |
| Fed funds sold and reverse repos | $0 |
| Net loans and leases | $574.1M |
| Loans held for sale | $0 |
| Trading account assets | $0 |
| Premises and fixed assets | $7.4M |
| Other real estate owned | $57K |
| Goodwill and other intangibles | $153K |
| All other assets | $46.1M |
Source: Call Report Schedule RC: Total assets (item 12, RCON2170).
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Liabilities
All other liabilities moved most in this table, up 4.5%: $10.2M in Q2 2026, $10.7M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total liabilities | $613.0M |
| Total deposits | $597.1M |
| Fed funds purchased and repos | $0 |
| Trading liabilities | $0 |
| Other borrowed money | $5.2M |
| Subordinated notes and debentures | $0 |
| All other liabilities | $10.7M |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
Equity capital
Largest change in this table: retained earnings, up 2.5% to $98.0M in Q3 2026 after $95.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total equity capital | $120.5M |
| Common stock | $0 |
| Common stock surplus | $38.0M |
| Retained earnings | $98.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.0M |
| Total liabilities and equity capital | $733.5M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Balance Sheet trend
Balance Sheet by quarter
| Quarter | Total assets | Total liabilities | Net loans and leases | Securities | Cash and balances due |
|---|---|---|---|---|---|
| Q4 2023 | $724.7M | $642.2M | $555.8M | $60.4M | $53.5M |
| Q1 2024 | $717.1M | $634.3M | $555.5M | $58.7M | $54.6M |
| Q2 2024 | $710.5M | $626.9M | $544.3M | $57.3M | $60.7M |
| Q3 2024 | $697.4M | $610.5M | $539.0M | $58.8M | $50.0M |
| Q4 2024 | $685.2M | $597.9M | $544.6M | $56.5M | $33.0M |
| Q1 2025 | $688.4M | $599.9M | $551.7M | $55.8M | $30.2M |
| Q2 2025 | $734.0M | $643.3M | $552.4M | $55.3M | $75.2M |
| Q3 2025 | $743.9M | $629.9M | $552.7M | $56.0M | $83.4M |
| Q4 2025 | $727.6M | $610.6M | $555.5M | $56.1M | $64.7M |
| Q1 2026 | $721.5M | $603.1M | $553.9M | $54.2M | $61.3M |
| Q2 2026 | $735.9M | $614.5M | $558.3M | $53.6M | $71.9M |
| Q3 2026 | $733.5M | $613.0M | $574.1M | $48.2M | $57.3M |
Lake Shore Bank balance sheet, quarter by quarter
Balance Sheet since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Lake Shore Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 30530) · FFIEC NIC profile (RSSD 301574)