Lake Shore Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Lake Shore Bank reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 17.56% in Q3 2026, up 1.22 percentage points from 16.34% in Q3 2025. Across the 12 quarters shown it ranged from 12.68% (Q4 2023) to 17.56% (Q3 2026).
Reserve coverage of nonperforming loans dropped 23.98 percentage points in Q3 2026, from 331.96% to 307.98%. It was the largest change from Q2 2026 among the key lines here. Within New York, Lake Shore Bank is 36th of 105 on return on assets, 1.23% as of Q3 2026. The median for banks in the $100M-1B asset tier is 1.27% on return on assets. Lake Shore Bank sits 0.04 points lower, at 1.23% (Q3 2026).
Capital adequacy
Largest change in this table: tier 1 leverage ratio, up 0.13 points to 17.56% in Q3 2026 after 17.43% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 17.56% |
| Equity capital to assets | 16.43% |
| Tangible equity to tangible assets | 16.43% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.29% |
| Nonperforming assets ratio | 0.24% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.40% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of nonperforming loans | 307.98% |
Earnings
Efficiency ratio moved most in this table, down 2.30 points: 62.31% in Q2 2026, 60.01% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 7.62% |
| Net interest margin | 4.09% |
| Efficiency ratio | 60.01% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.76% |
Liquidity and funding
Largest change in this table: loan-to-deposit ratio, up 3.04 points to 97.03% in Q3 2026 after 93.99% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 97.03% |
| Core deposits to total deposits | 95.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.41% |
| Securities to assets | 6.57% |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 12.68% | 0.45% | 3.29% | 0.60% | 0.01% |
| Q1 2024 | 12.87% | 0.59% | 3.07% | 0.70% | 0.00% |
| Q2 2024 | 13.02% | 0.66% | 3.11% | 0.73% | 0.00% |
| Q3 2024 | 13.37% | 0.79% | 3.26% | 0.74% | 0.01% |
| Q4 2024 | 13.83% | 0.88% | 3.28% | 0.69% | 0.01% |
| Q1 2025 | 14.31% | 0.67% | 3.45% | 0.62% | 0.00% |
| Q2 2025 | 14.37% | 1.13% | 3.81% | 0.32% | 0.00% |
| Q3 2025 | 16.34% | 1.27% | 3.66% | 0.33% | 0.01% |
| Q4 2025 | 16.65% | 1.01% | 3.79% | 0.30% | 0.01% |
| Q1 2026 | 17.54% | 1.07% | 3.96% | 0.28% | 0.01% |
| Q2 2026 | 17.43% | 1.19% | 4.00% | 0.25% | 0.00% |
| Q3 2026 | 17.56% | 1.23% | 4.09% | 0.29% | 0.01% |
Lake Shore Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)