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

Lake Shore Savings Bank is headquartered in Dunkirk and is the 79th largest bank in the state of New York. It is also the 1,460th largest bank in the nation. It was established in 1891 and as of September of 2016, it had grown to 110 employees at 11 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 - YTD0.97%
Return on Equity - YTD6.47%
Annual Interest Income$13.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$478.9MM$472.9MM
LoansQ3 2016vs Q3 2015$320.4MM$294.7MM
DepositsQ3 2016vs Q3 2015$378.1MM$375.2MM
Equity CapitalQ3 2016vs Q3 2015$72.6MM$69.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.1MM$2.1MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$5.8MM$5.5MM
Real Estate OwnedQ3 2016vs Q3 2015$750.00K$344.00K
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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%*-$2,500Health Savings Account
OTHER TIERS: 0.10% $25k+ | 0.35% $5k - $25k | 0.75% $2,500 - $5k

Lake Shore Savings Bank CD Rates

1.55%$500-5 Year CD
1.30%$500-4 Year CD
0.75%$500-3 Year CD
0.50%$500-2 Year 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 has 11 locations. Click to view all Lake Shore Savings Bank locations.