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

Lake Shore Savings Bank is headquartered in Dunkirk and is the 75th largest bank in the state of New York. It is also the 1,310th largest bank in the nation. It was established in 1891 and as of June of 2018, it had grown to 115 employees at 12 locations. Lake Shore Savings Bank's money market rates are 3X 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 - YTD0.77%
Return on Equity - YTD5.48%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$543.8MM$504.9MM
LoansQ2 2018vs Q2 2017$382.3MM$364.0MM
DepositsQ2 2018vs Q2 2017$437.9MM$397.2MM
Equity CapitalQ2 2018vs Q2 2017$73.9MM$73.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.5MM$3.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$4.5MM$4.2MM
Real Estate OwnedQ2 2018vs Q2 2017$479.00K$243.00K
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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

1.50%*$500k*-LS Premium Money Market Savings Account
OTHER TIERS: 0.30% Up to $250k | 1.25% $250k - $500k
1.00%$10k-LS Ultimate Money Market Savings Account

Lake Shore Savings Bank CD Rates

1.55%$500-5 Year CD
1.30%$500-4 Year CD
0.75%$500-3 Year CD
0.55%$500-30 Month CD
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


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