Lake Shore Savings Bank

Overview / Commentary
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 1,233rd largest bank in the nation. It was established in 1891 and as of December of 2019, it had grown to 113 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 - YTD0.73%
Return on Equity - YTD5.42%
Annual Interest Income$24.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$610.9MM$545.7MM
LoansQ4 2019vs Q4 2018$470.8MM$392.5MM
DepositsQ4 2019vs Q4 2018$488.5MM$437.4MM
Equity CapitalQ4 2019vs Q4 2018$79.5MM$76.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$4.3MM$3.4MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$3.6MM$3.0MM
Real Estate OwnedQ4 2019vs Q4 2018$779.00K$678.00K
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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%$10k-Business Money Market - New Money w/Relationship
1.50%$10k-Business Money Market - New Money
0.65%--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

1.54%$500-5 Year CD
1.29%$500-4 Year CD
0.75%$500-3 Year CD
0.75%$500-13 Month CD - New Money
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

Lake Shore Savings Bank IRA Rates

1.54%$500-5 Year IRA CD
1.29%$500-4 Year IRA CD
0.75%$500-3 Year IRA CD
0.50%$500-2 Year IRA CD
0.40%$500-18 Month IRA CD
0.35%$500-1 Year IRA CD
0.35%$500-15 Month IRA CD
0.15%$500-6 Month IRA CD
0.10%$500-3 Month IRA CD


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