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Lake Shore Bank Locations & Branches Dunkirk, New York
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Lake Shore Bank operates 11 branches from its headquarters in Dunkirk, NY, . Its main office is at 128 E 4th St, Dunkirk, NY 14048.
Lake Shore Bank branch network
All 11 branches are in NEW YORK, across 9 cities. Dunkirk, NY has the most of its branches, 2. Its largest office by deposits is its main office in Dunkirk, NY, with $140.4M (23.4% of its branch deposits). It had the same number of branches on June 30, 2025.
Lake Shore Bank at a glance
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.
- Total assets, Q3 2026
- $733.5M
- Tier 1 leverage ratio, Q3 2026
- 17.56%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q3 2026, FFIEC 051
- Established
- 1891
Full financial profile · Is Lake Shore Bank safe? · Lake Shore Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Dunkirk, NY (2 branches) | 2 of 4 | 31.7% | $140.8M |
| State: NY (11 branches) | 93 of 176 | <0.1% | $599.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in New York.
Share by county and metro area
Lake Shore Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Chautauqua, NY (5 branches) | 4 of 8 | 15.1% | $334.9M | $2.21B |
| Erie, NY (6 branches) | 13 of 20 | 0.4% | $264.2M | $63.26B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Jamestown-Dunkirk-Fredonia, NY (5 branches) | 4 of 8 | 15.1% | $334.9M | $2.21B |
| Buffalo-Cheektowaga, NY (6 branches) | 13 of 20 | 0.4% | $264.2M | $66.97B |
Deposits by county
Every county where Lake Shore Bank has branches (2 in all), from the June 30, 2026 Summary of Deposits: the bank's deposits, its share of all FDIC-insured deposits in the county, its rank and its branch count there. Largest deposits first.
Show all 2 counties
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chautauqua, NY | 5 | $334.9M | 15.1% | 4 of 8 |
| Erie, NY | 6 | $264.2M | 0.4% | 13 of 20 |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 30530) · FFIEC NIC profile (RSSD 301574)