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 71st largest bank in the state of New York. It is also the 1,272nd largest bank in the nation. It was established in 1891 and as of June of 2019, it had grown to 112 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
Employees112
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD4.67%
Annual Interest Income$11.7MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$578.4MM$543.8MM
LoansQ2 2019vs Q2 2018$440.2MM$382.3MM
DepositsQ2 2019vs Q2 2018$463.4MM$437.9MM
Equity CapitalQ2 2019vs Q2 2018$77.0MM$73.9MM
Loan Loss AllowanceQ2 2019vs Q2 2018$3.9MM$3.5MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.1MM$4.5MM
Real Estate OwnedQ2 2019vs Q2 2018$752.00K$479.00K
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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1-LS Advantage Premium MM w/ Checking – New Money
0.15%*$50k*-LS Advantage Regular MM – New Money
OTHER TIERS: 0.03% Up to $250k | 0.05% $25k - $50k

Lake Shore Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$10k-11 Month LS Express CD w/ Checking - New money
1.75%$10k-11 Month LS Express CD w/o Checking - New money
1.75%$10k-30 Month LS Boost CD w/ Checking - New money
1.75%$10k-30 Month LS Boost CD w/o Checking - New money
1.55%$500-5 Year CD
1.30%$500-4 Year CD
0.75%$500-3 Year 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
Locations

Availability



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