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 68th largest bank in the state of New York. It is also the 1,297th largest bank in the nation. It was established in 1891 and as of March of 2021, it had grown to 116 employees at 12 locations. Lake Shore Savings Bank has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #30530
Year Established1891
Employees116
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD8.36%
Annual Interest Income$6.1MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$706.0MM$628.6MM
LoansQ1 2021vs Q1 2020$538.2MM$473.4MM
DepositsQ1 2021vs Q1 2020$585.5MM$504.6MM
Equity CapitalQ1 2021vs Q1 2020$83.8MM$81.1MM
Loan Loss AllowanceQ1 2021vs Q1 2020$6.0MM$4.8MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$3.0MM$4.1MM
Real Estate OwnedQ1 2021vs Q1 2020$51.00K$710.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability



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