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

Lake Shore Savings Bank is headquartered in Dunkirk and is the 74th largest bank in the state of New York. It is also the 1,317th largest bank in the nation. It was established in 1891 and as of December 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 Grade Components

FDIC Certificate #30530
Year Established1891
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD5.59%
Annual Interest Income$21.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$545.7MM$518.4MM
LoansQ4 2018vs Q4 2017$392.5MM$365.1MM
DepositsQ4 2018vs Q4 2017$437.4MM$409.5MM
Equity CapitalQ4 2018vs Q4 2017$76.3MM$74.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.4MM$3.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.0MM$3.9MM
Real Estate OwnedQ4 2018vs Q4 2017$678.00K$435.00K
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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

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

2.00%*$1$25kLS Advantage Premium MM w/ Checking – New Money
OTHER TIERS: 0.05% $25k - $50k | 0.15% $50k+
0.15%*$50k*-LS Advantage Regular MM w/ Checking – New Money
OTHER TIERS: 0.03% Up to $250k | 0.05% $25k - $50k

Lake Shore Savings Bank CD Rates

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


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