What is Lake Shore Bank's financial health grade?

Lake Shore Bank has a TFS Financial Health Grade of C- (score: 72.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Lake Shore Bank have?

Lake Shore Bank has 11 branch locations across the United States.

Is Lake Shore Bank FDIC insured?

Yes, Lake Shore Bank is FDIC insured (Certificate #30530).

What are the total assets of Lake Shore Bank?

Lake Shore Bank has total assets of $727.6M as reported in its most recent FDIC filing.

Lake Shore Bank

BankDunkirk, New York

www.mylsbank.com

Total Assets

$727.6M

Total Deposits

$595.7M

Branches

Established

1891

TFS Health Grade

C-

72.3 / 100

Average financial health

How we grade

Lake Shore Bank is a bank headquartered in Dunkirk, New York, established in 1891. With $727.6M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C- (72.3/100).

Capital & Safety

Tier 1 Capital Ratio

16.65%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.30%

Profitability

Return on Assets (ROA)

1.03%(1%)

Return on Equity (ROE)

7.43%(10%)

Net Interest Margin

3.71%

Efficiency Ratio

68.65%(60%)

Lending & Liquidity

Total Loans

$560.3M

Loan-to-Deposit Ratio

93.24%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+6.19%

Deposit Growth (YoY)

+3.22%

Net Income

$7.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Lake Shore BankHQ	128 E 4th St	Dunkirk	NY	11
Lake Shore Bank	3438 Delaware Ave	Buffalo	NY	11
Lake Shore Bank	4950 Main St	Buffalo	NY	11
Lake Shore Bank	570 Dick Rd	Depew	NY	11
Lake Shore Bank	128 E 4th St	Dunkirk	NY	13
Lake Shore Bank	5751 Transit Rd	East Amherst	NY	11
Lake Shore Bank	30 E Main St	Fredonia	NY	11
Lake Shore Bank	59 Main St	Hamburg	NY	11
Lake Shore Bank	1 S Green Ave	Jamestown	NY	11
Lake Shore Bank	3111 Union Rd	Orchard Park	NY	11
Lake Shore Bank	106 E Main St	Westfield	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.