Bank Safety Analysis
Is Lake Shore Bank Safe? Dunkirk, New York
Based on its Q3 2026 call report, Lake Shore Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 1.40%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Lake Shore Bank safe?
On its Q3 2026 call report, Lake Shore Bank's Community Bank Leverage Ratio is 17.56%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 17.56%
- Texas ratio (Q3 2026): 1.40%
- Noncurrent loans ratio (Q3 2026): 0.29%
Lake Shore Bank is an FDIC-insured commercial bank (FDIC Certificate #30530). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Lake Shore Bank (FDIC Certificate #30530) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Lake Shore Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
In Q3 2026, net interest margin edged up by 0.09 percentage points, from 4.00% to 4.09%, the largest move among the key lines here. Within New York, Lake Shore Bank is 14th of 105 on leverage ratio, 17.56% as of Q3 2026. Against a median of 11.09% for banks in the $100M-1B asset tier, Lake Shore Bank reported 17.56% on leverage ratio in Q3 2026, 6.48 points higher. From Q4 2023 to Q3 2026, Lake Shore Bank's Texas ratio ranged between 1.18% (Q2 2026) and 4.48% (Q2 2024).
Between Q3 2025 and Q3 2026, Lake Shore Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.33% to 0.29%, Texas ratio fell from 1.54% to 1.40% and return on assets fell from 1.27% to 1.23%.
Of the 105 banks headquartered in New York, Lake Shore Bank is the 57th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $209.2M of $579.4M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Lake Shore Bank's community bank leverage ratio of 17.56% is above the 11.09% median, nonperforming loans ratio of 0.29% is below the 0.43% median, Texas ratio of 1.40% is below the 2.96% median, and efficiency ratio of 60.01% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Lake Shore Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Lake Shore Bank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Lake Shore Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 1.40% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.29% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 97.03% | Within range |
| Commercial real estate to capital supervisory threshold | 205.94% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 1.40% |
| Q2 2026 | 1.18% |
| Q1 2026 | 1.29% |
| Q4 2025 | 1.38% |
| Q3 2025 | 1.54% |
| Q2 2025 | 1.85% |
| Q1 2025 | 3.71% |
| Q4 2024 | 4.12% |
| Q3 2024 | 4.34% |
| Q2 2024 | 4.48% |
| Q1 2024 | 4.46% |
| Q4 2023 | 3.83% |
Loans by type, Q3 2026
- 1-4 family residential loans: $209.2M
- Non-owner-occupied commercial real estate loans: $142.3M
- Multifamily loans: $111.0M
- Owner-occupied commercial real estate loans: $54.6M
- Construction and land development loans: $28.2M
- Commercial and industrial loans: $20.6M
- Other consumer loans: $13.1M
- Other revolving consumer credit: $189K
How have Lake Shore Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $733.5M | 17.56% | 0.29% | 1.40% | 60.01% |
| Jun 30, 2026 | $735.9M | 17.43% | 0.25% | 1.18% | 62.31% |
| Mar 31, 2026 | $721.5M | 17.54% | 0.28% | 1.29% | 68.34% |
| Dec 31, 2025 | $727.6M | 16.65% | 0.30% | 1.38% | 66.64% |
| Sep 30, 2025 | $743.9M | 16.34% | 0.33% | 1.54% | 64.54% |
| Jun 30, 2025 | $734.0M | 14.37% | 0.32% | 1.85% | 65.80% |
| Mar 31, 2025 | $688.4M | 14.31% | 0.62% | 3.71% | 76.73% |
| Dec 31, 2024 | $685.2M | 13.83% | 0.69% | 4.12% | 80.42% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Lake Shore Bank FDIC insured?
Yes. Lake Shore Bank is an FDIC-insured commercial bank (FDIC Certificate #30530). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Lake Shore Bank well capitalized?
On its Q3 2026 call report, Lake Shore Bank's Community Bank Leverage Ratio is 17.56%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Lake Shore Bank's key safety ratios?
For Q3 2026, Lake Shore Bank reports leverage 17.56%, Texas ratio 1.40%, noncurrent loans 0.29%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Lake Shore Bank fails?
For Q3 2026, Lake Shore Bank reported $597.1M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Lake Shore Bank profile.
How we score this
Lake Shore Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Lake Shore Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 30530) · FFIEC NIC profile (RSSD 301574)
Explore: Full Lake Shore Bank profile · Other banks in NY · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.