Lake Shore Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Shore Bank of Dunkirk, NY against its peer group of 2646 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.23% | 1.30% | -0.07% | 46th worse half |
| ROAE | 7.62% | 12.64% | -5.02% | 23rd worst quarter |
| Net Interest Margin | 4.09% | 4.00% | +0.09% | 55th better half |
| Efficiency Ratio | 60.01% | 60.97% | -0.96% | 47th better half |
| PPNR / Avg Assets | 1.66% | 1.63% | +0.03% | 52nd better half |
| Yield on Earning Assets | 5.57% | 5.69% | -0.12% | 44th |
| Cost of Funds | 1.76% | 1.83% | -0.07% | 45th better half |
| Net Interest Spread | 3.51% | 3.38% | +0.13% | 57th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.43% | -0.14% | 42nd better half |
| NPA / Total Assets | 0.24% | 0.33% | -0.09% | 44th better half |
| NCO / Avg Loans | 0.01% | 0.00% | +0.01% | 59th worse half |
| ACL / Total Loans | 0.91% | 1.20% | -0.29% | 18th |
| ACL / NPLs (Coverage) | 307.98% | 214.79% | +93.19% | 59th better half |
| Texas Ratio | 1.40% | 2.90% | -1.50% | 35th better half |
| Provision / NCO | 1711.76% | 136.36% | +1575.40% | — |
| CRE / Total Capital | 205.94% | 119.32% | +86.62% | 77th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 17.56% | 11.15% | +6.41% | 93rd best quarter |
| Equity / Assets | 16.43% | 10.12% | +6.31% | 92nd best quarter |
| TCE / Tangible Assets | 16.43% | 9.85% | +6.58% | 93rd best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 97.03% | 81.56% | +15.47% | 84th |
| Core Deposit Ratio | 95.12% | 89.16% | +5.96% | 85th best quarter |
| Borrowings / Total Assets | 0.70% | 3.70% | -3.00% | 14th best quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.41% | 3.51% | -4.92% | 16th |
| Loan Growth (Y/Y) | 3.91% | 5.73% | -1.82% | 38th |
| Deposit Growth (Y/Y) | -2.60% | 3.83% | -6.43% | 12th |
See Lake Shore Bank's peers by name
The 2646 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lake Shore Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Lake Shore Bank peer analysis.