Lake Shore Savings Bank

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

Lake Shore Savings Bank is headquartered in Dunkirk and is the 69th largest bank in the state of New York. It is also the 1,245th largest bank in the nation. It was established in 1891 and as of June of 2020, it had grown to 111 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 - YTD0.69%
Return on Equity - YTD5.47%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$678.4MM$578.4MM
LoansQ2 2020vs Q2 2019$487.9MM$440.2MM
DepositsQ2 2020vs Q2 2019$556.4MM$463.4MM
Equity CapitalQ2 2020vs Q2 2019$80.1MM$77.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$5.1MM$3.9MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$5.2MM$3.1MM
Real Estate OwnedQ2 2020vs Q2 2019$201.00K$752.00K
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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

0.30%--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

1.00%$500-57 Month New Money CD Special
0.60%$500-36 Month New Money CD Special
0.55%$500-5 Year CD
0.50%$500-22 Month New Money CD Special
0.45%$500-4 Year CD
0.40%$500-13 Month New Money CD Special
0.35%$500-3 Year CD
0.30%$500-2 Year CD
0.20%$500-18 Month CD
0.15%$500-6 Month CD
0.15%$500-1 Year CD
0.10%$500-3 Month CD

Lake Shore Savings Bank IRA Rates

1.00%$500-57 Month New Money IRA Special
0.60%$500-36 Month New Money IRA Special
0.55%$500-5 Year IRA
0.50%$500-22 Month New Money IRA Special
0.45%$500-4 Year IRA
0.40%$500-13 Month New Money IRA Special
0.35%$500-3 Year IRA
0.30%$500-2 Year IRA
0.20%$500-18 Month IRA
0.15%$500-6 Month IRA
0.15%$500-1 Year IRA
0.10%$500-3 Month IRA


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