Lake Shore Savings Bank

Overview / Commentary
128 East 4th St
Dunkirk, NY 14048

Lake Shore Savings Bank is headquartered in Dunkirk and is the 65th largest bank in the state of New York. It is also the 1,327th largest bank in the nation. It was established in 1891 and as of June of 2022, it had grown to 114 employees at 12 locations. Lake Shore Savings Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #30530
Year Established1891
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.05%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$693.9MM$710.7MM
LoansQ2 2022vs Q2 2021$547.2MM$546.4MM
DepositsQ2 2022vs Q2 2021$584.8MM$592.4MM
Equity CapitalQ2 2022vs Q2 2021$75.6MM$82.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$6.7MM$6.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.8MM$2.6MM
Real Estate OwnedQ2 2022vs Q2 2021$269.00K$97.00K

Rates for Lake Shore Savings Bank are currently being reviewed.



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