Lake Shore Savings Bank

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

Lake Shore Savings Bank is headquartered in DUNKIRK and is the 63rd largest bank in the state of New York. It is also the 1,299th largest bank in the nation. It was established in 1891 and as of June of 2023, it had grown to 123 employees at 12 locations. Lake Shore Savings Bank's money market rates are 12X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #30530
Year Established1891
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD6.87%
Annual Interest Income$16.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$713.6MM$693.9MM
LoansQ2 2023vs Q2 2022$569.5MM$547.2MM
DepositsQ2 2023vs Q2 2022$587.5MM$584.8MM
Equity CapitalQ2 2023vs Q2 2022$79.5MM$75.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$6.8MM$6.7MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$2.9MM$2.8MM
Real Estate OwnedQ2 2023vs Q2 2022$139.00K$269.00K
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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 Money Market Rates

5.14%*$50k*-Money Market Account Special
OTHER TIERS: 2.65% Up to $50k

Lake Shore Savings Bank CD Rates

5.55%$10k-6 Month CD Special-New Money
5.25%$500-14 Month New Money CD Special
5.05%$500-9 Month New Money CD Special
3.50%$500-22 Month New Money CD Special
3.15%$500-57 Month New Money CD Special


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