Bank routing number ยท Dunkirk, New York
Lake Shore Bank Routing Number (ABA): 222371656
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The Lake Shore Bank routing number is 222371656. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 29, 2026.
Lake Shore Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 17.56% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q3 2026
- $733.5M
- Tier 1 leverage ratio, Q3 2026
- 17.56%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 11 branches
- Latest call report
- Q3 2026, FFIEC 051
- Established
- 1891
Full financial profile · Is Lake Shore Bank safe? · Lake Shore Bank call report · Branch locations
Lake Shore Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 222371656 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 29, 2026. NIC holds one primary number per bank; Lake Shore Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 22, place this number in the Federal Reserve Bank of New York's district (District 2): prefixes 21 to 32 are the district numbers assigned to thrift institutions. Digits five through eight, 7165, identify the institution within that district. The last digit, 6, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Lake Shore Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Lake Shore Bank checks or in its online banking. Ask the bank for wire instructions (www.mylsbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Lake Shore Bank
Lake Shore Bank is headquartered in Dunkirk, New York and was established in 1891. It is in the JAMESTOWN-DUNKIRK, NY metro area. It reported $733.5M in total assets and $597.1M in deposits for Q3 2026, the 57th largest of the 105 banks headquartered in New York. It reports 11 domestic offices. Its deposits have been FDIC insured since 1989. Its primary federal regulator is the FDIC.
What the digits in 222371656 mean
The first four digits, 2223, are the Federal Reserve routing symbol. The prefix 22 places the number in the 2nd Federal Reserve District (New York), a range the ABA plan set aside for thrift institutions. That is also the district where the bank is headquartered. Digits five through eight, 7165, identify the institution within its Federal Reserve district. The last digit, 6, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 11 + 7 x 14 + 9 = 140, a multiple of 10, so 222371656 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Lake Shore Bank routing number?
The Lake Shore Bank routing number is 222371656. It is the primary ABA routing transit number registered to Lake Shore Bank, headquartered in Dunkirk, NY. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 29, 2026.
What is the Lake Shore Bank wire routing number?
This page lists the primary routing number registered to Lake Shore Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Lake Shore Bank before sending a wire.
Is ABA number 222371656 the routing number for Lake Shore Bank?
Yes. It is the primary routing number registered to Lake Shore Bank.
Which bank uses routing number 222371656?
It belongs to Lake Shore Bank, headquartered in Dunkirk, NY. It is the bank's primary ABA routing number (FDIC certificate 30530).
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Regulator records: FDIC BankFind (cert 30530) · FFIEC NIC profile (RSSD 301574)