Lake Shore Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Lake Shore Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.57% in Q3 2026, up 0.15 percentage points from 5.42% in Q3 2025. Across the 12 quarters shown it ranged from 5.09% (Q4 2023) to 5.66% (Q2 2025).
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q2 2026 and Q3 2026, to 4.09%. Within New York, Lake Shore Bank is 32nd of 105 on net interest margin, 4.09% as of Q3 2026. At 4.09%, Lake Shore Bank's net interest margin is close to the 3.99% median for banks in the $100M-1B asset tier (Q3 2026).
Asset yields
Largest change in this table: yield on earning assets, up 0.08 points to 5.57% in Q3 2026 after 5.49% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 6.14% |
| Yield on securities | 2.42% |
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Funding costs
Cost of borrowings moved most in this table, down 0.11 points: 7.69% in Q2 2026, 7.58% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 7.58% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.5M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.09% | 2.09% | 3.29% | 5.41% | 2.37% |
| Q1 2024 | 5.13% | 2.29% | 3.07% | 5.45% | 2.37% |
| Q2 2024 | 5.21% | 2.34% | 3.11% | 5.59% | 2.38% |
| Q3 2024 | 5.33% | 2.30% | 3.26% | 5.70% | 2.38% |
| Q4 2024 | 5.26% | 2.23% | 3.28% | 5.69% | 2.32% |
| Q1 2025 | 5.27% | 2.04% | 3.45% | 5.68% | 2.38% |
| Q2 2025 | 5.66% | 2.07% | 3.81% | 6.14% | 2.39% |
| Q3 2025 | 5.42% | 2.07% | 3.66% | 5.92% | 2.40% |
| Q4 2025 | 5.46% | 1.94% | 3.79% | 6.03% | 2.40% |
| Q1 2026 | 5.43% | 1.73% | 3.96% | 5.98% | 2.40% |
| Q2 2026 | 5.49% | 1.76% | 4.00% | 6.07% | 2.41% |
| Q3 2026 | 5.57% | 1.76% | 4.09% | 6.14% | 2.42% |
Lake Shore Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)