Lake Shore Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Lake Shore Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $579.4M in Q3 2026, up 3.9% from $557.6M in Q3 2025. That is 79.0% of its total assets. Across the 12 quarters shown it ranged from $544.5M (Q3 2024) to $579.4M (Q3 2026).
CRE concentration (Tier 1 capital + allowance) climbed 11.02 percentage points in Q3 2026, from 194.92% to 205.94%. 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.
Loan totals
Loan-to-deposit ratio changed the most here, up 3.04 points to 97.03% in Q3 2026 from 93.99% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $579.4M |
| Net loans and leases | $574.1M |
| Loans held for sale | $0 |
| Loans to total assets | 78.99% |
| Loan-to-deposit ratio | 97.03% |
| Net loans to equity capital | 4.77× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Commercial real estate (nonfarm nonresidential) moved most in this table, up 1.97 points: 32.02% in Q2 2026, 33.99% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.99% |
| Multifamily (5+ residential) | 19.17% |
| Commercial and industrial | 3.56% |
| Consumer | 2.30% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.94% |
| Construction concentration (Tier 1 capital + allowance) | 20.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans moved most in this table, up 0.07 points: 6.07% in Q2 2026, 6.14% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.14% |
| Interest income on loans | $8.7M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $562.3M | $596.5M | 30.40% | 2.60% | 0.20% |
| Q1 2024 | $561.7M | $599.3M | 31.34% | 2.66% | 0.19% |
| Q2 2024 | $550.3M | $594.5M | 31.05% | 3.08% | 0.19% |
| Q3 2024 | $544.5M | $590.6M | 30.94% | 2.58% | 0.19% |
| Q4 2024 | $549.8M | $577.1M | 31.40% | 2.56% | 0.18% |
| Q1 2025 | $556.8M | $585.2M | 31.15% | 2.36% | 1.83% |
| Q2 2025 | $557.6M | $630.8M | 31.93% | 2.61% | 2.14% |
| Q3 2025 | $557.6M | $613.1M | 31.94% | 2.86% | 2.25% |
| Q4 2025 | $560.3M | $595.7M | 32.07% | 2.73% | 2.76% |
| Q1 2026 | $558.7M | $587.5M | 32.32% | 2.76% | 2.75% |
| Q2 2026 | $563.1M | $599.1M | 32.02% | 3.59% | 2.64% |
| Q3 2026 | $579.4M | $597.1M | 33.99% | 3.56% | 2.30% |
Lake Shore Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)