Lake Shore Savings Bank

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

Lake Shore Savings Bank is headquartered in DUNKIRK and is the 64th largest bank in the state of New York. It is also the 1,333rd largest bank in the nation. It was established in 1891 and as of March of 2024, 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 - YTD0.59%
Return on Equity - YTD5.17%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$717.1MM$730.5MM
LoansQ1 2024vs Q1 2023$555.5MM$574.5MM
DepositsQ1 2024vs Q1 2023$599.3MM$600MM
Equity CapitalQ1 2024vs Q1 2023$82.8MM$79.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.2MM$6.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4MM$2.8MM
Real Estate OwnedQ1 2024vs Q1 2023$16K$95K
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Lake Shore Savings Bank CD Rates

4.75%$10k-6 Month CD Special-New Money
4.65%$500-9 Month CD Special
4.35%$500-14 Month CD Special
3.50%$500-22 Month CD Special
3.15%$500-57 Month CD Special


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