Lake Shore Savings Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.55%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.35%	1-year CD	2.65% - Barclays 12 Month Online CD
1.30%	4-year CD	2.85% - Barclays 48 Month Online CD

View all Lake Shore Savings Bank rates »

Overview / Commentary

www.lakeshoresavings.com

716-366-4070

128 East 4th St
Dunkirk, NY 14048

Lake Shore Savings Bank is headquartered in Dunkirk and is the 75^th largest bank in the state of New York. It is also the 1,314^th largest bank in the nation. It was established in 1891 and as of September of 2018, it had grown to 114 employees at 12 locations. Lake Shore Savings Bank has an A health rating.

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Health

A

Data as of Q3 2018

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Health Grade Components

Overall
FDIC Certificate #	30530
Year Established	1891
Employees	114
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.78%
Return on Equity - YTD	5.61%
Annual Interest Income	$15.9MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$546.3MM$512.4MM
Loans	Q3 2018vs Q3 2017	$388.5MM$362.4MM
Deposits	Q3 2018vs Q3 2017	$439.6MM$403.6MM
Equity Capital	Q3 2018vs Q3 2017	$74.5MM$74.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$3.4MM$3.2MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$3.0MM$3.8MM
Real Estate Owned	Q3 2018vs Q3 2017	$1.7MM$513.00K

Rates

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Money Market
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake Shore Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.35% → $2.5k - $5k \| 0.75% → $5k - $25k

Lake Shore Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$1	$25k	LS Advantage Premium MM w/ Checking – New Money
OTHER TIERS: 0.05% → $25k - $50k \| 0.15% → $50k+
2.00%	$10k	-	LS Ultimate Money Market Savings Account - New Money
0.15%^*	$500k^*	-	LS Advantage Regular MM w/ Checking – New Money
OTHER TIERS: 0.03% → Up to $250k \| 0.05% → $250k - $500k

Lake Shore Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.15%	$10k	-	30 Month LS Boost CD w/ Checking - New money
2.90%	$10k	-	30 Month LS Boost CD w/o Checking - New money
2.50%	$10k	-	11 Month LS Express CD w/ Checking - New money
2.25%	$10k	-	11 Month LS Express CD w/o Checking - New money
1.55%	$500	-	5 Year CD
1.30%	$500	-	4 Year CD
0.75%	$500	-	3 Year CD
0.55%	$500	-	30 Month CD
0.50%	$500	-	2 Year CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	1 Year CD
0.35%	$500	-	15 Month CD
0.15%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

Locations

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Buffalo Area

Buffalo Area bank & credit union details

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