Lake Shore Savings Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.55%	5-year CD	5 Year CD 2.90% - Goldman Sachs Bank USA High-yield 5 Year CD
0.35%	1-year CD	1 Year CD 1.80% - Ally Bank No Penalty 11-Month CD
1.30%	4-year CD	4 Year CD 2.65% - 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 76^th largest bank in the state of New York. It is also the 1,353^rd largest bank in the nation. It was established in 1891 and as of March of 2018, it had grown to 113 employees at 12 locations. Lake Shore Savings Bank's money market rates are 3X the national average, and it has an A health rating.

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Health

A

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30530
Year Established	1891
Employees	113
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.74%
Return on Equity - YTD	5.21%
Annual Interest Income	$5.1MM

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$530.0MM$493.5MM
Loans	Q1 2018vs Q1 2017	$371.2MM$345.0MM
Deposits	Q1 2018vs Q1 2017	$420.6MM$395.0MM
Equity Capital	Q1 2018vs Q1 2017	$75.1MM$72.3MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$3.4MM$3.2MM
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$4.3MM$4.5MM
Real Estate Owned	Q1 2018vs Q1 2017	$418.00K$408.00K

Rates

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Savings
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 $2,500 \| 0.35% → $2,500 - $5k \| 0.75% → $5k - $25k

Lake Shore Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$500k^*	-	LS Premium Money Market Savings Account
OTHER TIERS: 0.30% → Up to $250k \| 1.25% → $250k - $500k
1.00%	$10k	-	LS Ultimate Money Market Savings Account

Lake Shore Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

Availability

Buffalo Area

Buffalo Area bank & credit union details

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