Lake Shore Savings Bank

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

Lake Shore Savings Bank is headquartered in Dunkirk and is the 69th largest bank in the state of New York. It is also the 1,308th largest bank in the nation. It was established in 1891 and as of December of 2021, it had grown to 110 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 - YTD0.91%
Return on Equity - YTD7.66%
Annual Interest Income$24.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$714.0MM$686.4MM
LoansQ4 2021vs Q4 2020$517.2MM$524.2MM
DepositsQ4 2021vs Q4 2020$598.1MM$565.0MM
Equity CapitalQ4 2021vs Q4 2020$85.2MM$82.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.1MM$5.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$9.6MM$3.2MM
Real Estate OwnedQ4 2021vs Q4 2020$123.00K$58.00K
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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

0.75%*$25k*-Health Savings Account
OTHER TIERS: 0.10% Up to $2.5k | 0.35% $2.5k - $5k | 0.50% $5k - $25k

Lake Shore Savings Bank Money Market Rates

0.20%--LS Advantage Premium MM w/ Checking – New Money
0.15%*$50k*-LS Advantage Regular MM – New Money
OTHER TIERS: 0.03% $1 - $25k | 0.05% $25k - $50k

Lake Shore Savings Bank CD Rates

0.50%$500-5 Year CD
0.45%$500-4 Year CD
0.40%$500-36 Month New Money CD Special
0.35%$500-3 Year CD
0.30%$500-2 Year CD
0.25%$500-22 Month New Money CD Special
0.20%$500-18 Month CD
0.15%$500-6 Month CD
0.15%$500-1 Year CD
0.10%$500-3 Month CD

Lake Shore Savings Bank IRA Rates

0.50%$500-5 Year IRA
0.45%$500-4 Year IRA
0.40%$500-36 Month New Money IRA Special
0.35%$500-3 Year IRA
0.30%$500-2 Year IRA
0.25%$500-22 Month New Money IRA Special
0.20%$500-18 Month IRA
0.15%$500-6 Month IRA
0.15%$500-1 Year IRA
0.10%$500-3 Month IRA


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