Lake Shore Bank: Balance Sheet Growth
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Data as of · Derived from Call Report Schedule RC across quarters How we update
Lake Shore Bank reported all 12 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).
Net loan growth (quarter, annualized) climbed 8.11 percentage points in Q3 2026, from 3.20% to 11.32%. It was the largest change from Q2 2026 among the key lines here.
Year-over-year growth
Largest change in this table: total loans, year over year, up 2.92 points to 3.91% in Q3 2026 after 0.99% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total assets, year over year | -1.41% |
| Total loans, year over year | 3.91% |
| Total deposits, year over year | -2.60% |
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Growth measures
| Line item | Q3 2026 |
|---|---|
| Asset growth rate | -1.32% |
| Loan growth rate | 11.58% |
| Deposit growth rate | -1.30% |
| Net loan growth (quarter, annualized) | 11.32% |
| Internal capital growth rate | 7.60% |
Loan growth persistently above internal capital growth has to be funded somewhere, either by raising capital, or by thinning the ratios.
Balance sheet levels
Total loans and leases moved most in this table, up 2.9%: $563.1M in Q2 2026, $579.4M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total assets | $733.5M |
| Total loans and leases | $579.4M |
| Total deposits | $597.1M |
| Total equity capital | $120.5M |
Source: Call Report Schedule RC: Total assets (item 12, RCON2170); Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122); Call Report Schedule RC: Total deposits (item 13.a, RCON2200), Total equity capital (item 27.a, RCON3210).
Balance Sheet Growth trend
Balance Sheet Growth by quarter
| Quarter | Assets | Loans | Deposits | Total assets | Total loans |
|---|---|---|---|---|---|
| Q4 2023 | 3.59% | -3.16% | 3.63% | $724.7M | $562.3M |
| Q1 2024 | -1.83% | -3.35% | -0.12% | $717.1M | $561.7M |
| Q2 2024 | -0.43% | -4.52% | 1.18% | $710.5M | $550.3M |
| Q3 2024 | -2.19% | -4.72% | 0.33% | $697.4M | $544.5M |
| Q4 2024 | -5.46% | -2.23% | -3.25% | $685.2M | $549.8M |
| Q1 2025 | -4.00% | -0.87% | -2.36% | $688.4M | $556.8M |
| Q2 2025 | 3.30% | 1.33% | 6.12% | $734.0M | $557.6M |
| Q3 2025 | 6.67% | 2.39% | 3.81% | $743.9M | $557.6M |
| Q4 2025 | 6.19% | 1.92% | 3.22% | $727.6M | $560.3M |
| Q1 2026 | 4.81% | 0.33% | 0.40% | $721.5M | $558.7M |
| Q2 2026 | 0.26% | 0.99% | -5.03% | $735.9M | $563.1M |
| Q3 2026 | -1.41% | 3.91% | -2.60% | $733.5M | $579.4M |
Lake Shore Bank balance sheet growth, quarter by quarter
Balance Sheet Growth since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Derived from Call Report Schedule RC across quarters, 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.
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