Lake Shore Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
On its Q3 2026 filing, Lake Shore Bank reported 14 of the 19 line items on this page. It did not report total risk-based capital and risk-weighted assets. It elected the community bank leverage ratio, so it files no common equity Tier 1 ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 17.56% in Q3 2026, up 1.22 percentage points from 16.34% in Q3 2025. Across the 12 quarters shown it ranged from 12.68% (Q4 2023) to 17.56% (Q3 2026).
The largest change between Q2 2026 and Q3 2026 was in Equity capital to average assets, which fell 0.30 percentage points to 16.09%.
Risk-based capital ratios
Tier 1 leverage ratio changed the most here, up 0.13 points to 17.56% in Q3 2026 from 17.43% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 17.56% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: common equity Tier 1 capital, up 1.8% to $131.5M in Q3 2026 after $129.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $131.5M |
| Tier 1 capital | $131.5M |
| Total risk-based capital | — |
| Total equity capital | $120.5M |
| Risk-weighted assets | — |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 16.43% |
| Tangible equity to tangible assets | 16.43% |
| Equity capital to average assets | 16.09% |
| Internal capital growth rate | 7.60% |
Capital structure
Retained earnings moved most in this table, up 2.5%: $95.6M in Q2 2026, $98.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $38.0M |
| Retained earnings | $98.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.0M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 12.68% | 11.38% | 11.38% |
| Q1 2024 | 12.87% | 11.54% | 11.54% |
| Q2 2024 | 13.02% | 11.77% | 11.77% |
| Q3 2024 | 13.37% | 12.46% | 12.46% |
| Q4 2024 | 13.83% | 12.74% | 12.74% |
| Q1 2025 | 14.31% | 12.85% | 12.85% |
| Q2 2025 | 14.37% | 12.36% | 12.36% |
| Q3 2025 | 16.34% | 15.33% | 15.33% |
| Q4 2025 | 16.65% | 16.08% | 16.08% |
| Q1 2026 | 17.54% | 16.41% | 16.41% |
| Q2 2026 | 17.43% | 16.49% | 16.49% |
| Q3 2026 | 17.56% | 16.43% | 16.43% |
Lake Shore Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, 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)