Lake Shore Savings Bank

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

Lake Shore Savings Bank is headquartered in DUNKIRK and is the 63rd largest bank in the state of New York. It is also the 1,313th largest bank in the nation. It was established in 1891 and as of December of 2023, it had grown to 117 employees at 12 locations. Lake Shore Savings Bank's money market rates are 11X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #30530
Year Established1891
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD6.47%
Annual Interest Income$33.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$724.7MM$699.6MM
LoansQ4 2023vs Q4 2022$555.8MM$573.6MM
DepositsQ4 2023vs Q4 2022$596.5MM$575.6MM
Equity CapitalQ4 2023vs Q4 2022$82.5MM$77.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$6.5MM$7.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3.4MM$3MM
Real Estate OwnedQ4 2023vs Q4 2022$34K$95K
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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 Money Market Rates

4.65%*$50k*-Money Market Account Special
OTHER TIERS: 2.66% Up to $50k

Lake Shore Savings Bank CD Rates

4.95%$10k-6 Month CD Special-New Money
4.85%$500-9 Month CD Special-New Money
4.50%$500-14 Month CD Special-New Money
3.50%$500-22 Month CD Special-New Money
3.15%$500-57 Month CD Special-New Money


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