Lake Shore Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Lake Shore Bank reported 20 of the 23 line items on this page. It did not report foreign office deposits, uninsured deposits and uninsured deposits to total deposits. Total deposits was $597.1M in Q3 2026, down 2.6% from $613.1M in Q3 2025. That is 81.4% of its total assets. Across the 12 quarters shown it ranged from $577.1M (Q4 2024) to $630.8M (Q2 2025).
The standout move of Q3 2026 was in Loans and leases to core deposits: 2.76 percentage points higher than in Q2 2026, at 102.00%. Within New York, Lake Shore Bank is 59th of 105 on total deposits, $597.1M as of Q3 2026. Lake Shore Bank's total deposits of $597.1M is well above the $275.6M median for banks in the $100M-1B asset tier, a gap of 117% (Q3 2026).
Deposit totals
Deposits to total liabilities moved most in this table, down 0.08 points: 97.49% in Q2 2026, 97.41% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $597.1M |
| Domestic office deposits | $597.1M |
| Foreign office deposits | — |
| Deposits to total assets | 81.41% |
| Deposits to total liabilities | 97.41% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Transaction accounts to domestic deposits changed the most here, up 2.48 points to 29.35% in Q3 2026 from 26.87% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $115.6M |
| Savings deposits | $192.0M |
| Transaction accounts to domestic deposits | 29.35% |
| Time deposits to total deposits | 33.90% |
| Time deposits under $100k | $93.5M |
| Time deposits $100k to $250k | $79.8M |
| Time deposits over $250k | $29.1M |
| Noninterest-bearing share of deposits | 18.17% |
Stability of funding
Largest change in this table: core deposits to total deposits, up 0.41 points to 95.12% in Q3 2026 after 94.71% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $568.0M |
| Core deposits to total deposits | 95.12% |
| Insured deposits | $516.2M |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.01% |
| Interest expense on deposits | $2.5M |
| Loans and leases to core deposits | 102.00% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q4 2023 | $596.5M | 88.71% | 4.85% | 2.22% |
| Q1 2024 | $599.3M | 89.77% | 3.25% | 2.59% |
| Q2 2024 | $594.5M | 92.28% | 0.84% | 2.70% |
| Q3 2024 | $590.6M | 93.34% | 0.00% | 2.69% |
| Q4 2024 | $577.1M | 94.12% | 0.00% | 2.60% |
| Q1 2025 | $585.2M | 94.04% | 0.00% | 2.34% |
| Q2 2025 | $630.8M | 94.87% | 0.00% | 2.29% |
| Q3 2025 | $613.1M | 94.84% | 0.00% | 2.24% |
| Q4 2025 | $595.7M | 95.03% | 0.00% | 2.20% |
| Q1 2026 | $587.5M | 94.85% | 0.00% | 1.91% |
| Q2 2026 | $599.1M | 94.71% | 0.00% | 1.99% |
| Q3 2026 | $597.1M | 95.12% | 0.00% | 2.01% |
Lake Shore Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)