Lake Shore Savings Bank


Overview / Commentary
716-366-4070
128 East 4th St
Dunkirk, NY 14048

Lake Shore Savings Bank is headquartered in DUNKIRK and is the 64th largest bank in the state of New York. It is also the 1,397th largest bank in the nation. It was established in 1891 and as of March of 2025, it had grown to 96 employees at 11 locations. Lake Shore Savings Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #30530
Year Established1891
Employees96
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD5.21%
Annual Interest Income$8.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$688.4MM$717.1MM
LoansQ1 2025vs Q1 2024$551.7MM$555.5MM
DepositsQ1 2025vs Q1 2024$585.2MM$599.3MM
Equity CapitalQ1 2025vs Q1 2024$88.5MM$82.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.2MM$6.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$16K
Rates

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Locations

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