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 Lake Shore Bank
Lake Shore Bank
| RSSD ID 301574 | CERTIFICATE 30530 | ABA NUMBER 222371656 |
| 128 E 4th St |
Quarter Ended : |
2025-12-31 |
| Dunkirk, New York, 14048 |
Updated : |
2026-01-21 |
| www.mylsbank.com |
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| Institution Profile |
| Year Opened : |
1891 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
11 |
Number of Employees : |
93 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 727,591 |
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Total Interest Income | 36,509 |
| Total Liabilities | 610,598 |
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Total NonInterest Income | 2,853 |
| Total Bank Equity Capital | 116,993 |
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Total Interest Expense | 11,933 |
| Total Deposits | 595,739 |
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Total NonInterest Expense | 18,830 |
| Net Loans & Leases | 555,450 |
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Net Income | 7,392 |
| Loan Loss Allowance | 4,884 |
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Net Charge Offs | 22 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 557,558 |
| Total assets for the leverage ratio | 748,878 |
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Loans secured by real estate: | 528,330 |
| Tier 1 Leverage Ratio | 16.65 |
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Commercial and industrial loans | 15,437 |
| Off Balance Sheet Exposures (%) | 12.53 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 13,791 |
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:· Lake Shore Bank
