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

Lake Shore Savings Bank is headquartered in Dunkirk and is the 75th largest bank in the state of New York. It is also the 1,314th 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 Grade Components

FDIC Certificate #30530
Year Established1891
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD5.61%
Annual Interest Income$15.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$546.3MM$512.4MM
LoansQ3 2018vs Q3 2017$388.5MM$362.4MM
DepositsQ3 2018vs Q3 2017$439.6MM$403.6MM
Equity CapitalQ3 2018vs Q3 2017$74.5MM$74.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.4MM$3.2MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$3.0MM$3.8MM
Real Estate OwnedQ3 2018vs Q3 2017$1.7MM$513.00K
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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+
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

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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