|
 |
|
|
 Lake Shore Bank
Lake Shore Bank
| RSSD ID 301574 | CERTIFICATE 30530 | ABA NUMBER 222371656 |
| 128 E 4th St |
Quarter Ended : |
2025-09-30 |
| Dunkirk, New York, 14048 |
Updated : |
2025-10-22 |
| www.mylsbank.com |
|
| 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 |
|
| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
11 |
Number of Employees : |
93 |
|
|
|
|
|
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 743,916 |
|
Total Interest Income | 26,986 |
| Total Liabilities | 629,860 |
|
Total NonInterest Income | 2,213 |
| Total Bank Equity Capital | 114,056 |
|
Total Interest Expense | 9,004 |
| Total Deposits | 613,095 |
|
Total NonInterest Expense | 13,974 |
| Net Loans & Leases | 552,683 |
|
Net Income | 5,499 |
| Loan Loss Allowance | 4,869 |
|
Net Charge Offs | 15 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
|
Total loans | 557,277 |
| Total assets for the leverage ratio | 750,492 |
|
Loans secured by real estate: | 530,112 |
| Tier 1 Leverage Ratio | 16.34 |
|
Commercial and industrial loans | 14,873 |
| Off Balance Sheet Exposures (%) | 12.27 |
|
Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
|
Loans to individuals - Other | 12,292 |
|
|
|
|
:· Lake Shore Bank
