Lake Shore Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Lake Shore Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $57.3M in Q3 2026, down 31.3% from $83.4M in Q3 2025. That is 7.8% of its total assets. Across the 12 quarters shown it ranged from $30.2M (Q1 2025) to $83.4M (Q3 2025).
Loan-to-deposit ratio climbed 3.04 percentage points in Q3 2026, from 93.99% to 97.03%. It was the largest change from Q2 2026 among the key lines here. Within New York, Lake Shore Bank is 22nd of 105 on loan-to-deposit ratio, 97.03% as of Q3 2026. Lake Shore Bank reported 97.03% on loan-to-deposit ratio for Q3 2026, 15.57 points above the 81.45% median for banks in the $100M-1B asset tier.
Liquid assets
Cash and balances due from depository institutions moved most in this table, down 20.3%: $71.9M in Q2 2026, $57.3M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 97.03% |
| Net loans and leases to deposits | 96.15% |
| Loans and leases to core deposits | 102.00% |
| Core deposits to total deposits | 95.12% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 94.26% | 88.71% | $0 | $37.0M |
| Q1 2024 | 93.73% | 89.77% | $0 | $27.0M |
| Q2 2024 | 92.57% | 92.28% | $0 | $25.0M |
| Q3 2024 | 92.21% | 93.34% | $0 | $11.9M |
| Q4 2024 | 95.26% | 94.12% | $0 | $11.9M |
| Q1 2025 | 95.16% | 94.04% | $0 | $5.6M |
| Q2 2025 | 88.39% | 94.87% | $0 | $3.6M |
| Q3 2025 | 90.94% | 94.84% | $0 | $7.5M |
| Q4 2025 | 94.06% | 95.03% | $0 | $5.2M |
| Q1 2026 | 95.09% | 94.85% | $0 | $5.2M |
| Q2 2026 | 93.99% | 94.71% | $0 | $5.2M |
| Q3 2026 | 97.03% | 95.12% | $0 | $5.2M |
Lake Shore Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)