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 Lake Shore Bank
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Lake Shore Bank
| RSSD ID 301574 | CERTIFICATE 30530 | ABA NUMBER 222371656 |
| 128 E 4th St |
Quarter Ended : |
2026-06-30 |
| Dunkirk, New York, 14048 |
Updated : |
2026-07-22 |
| 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 : |
84 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 735,882 |
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Total Interest Income | 18,549 |
| Total Liabilities | 614,512 |
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Total NonInterest Income | 1,330 |
| Total Bank Equity Capital | 121,370 |
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Total Interest Expense | 5,068 |
| Total Deposits | 599,082 |
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Total NonInterest Expense | 9,736 |
| Net Loans & Leases | 558,330 |
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Net Income | 4,132 |
| Loan Loss Allowance | 4,747 |
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Net Charge Offs | 9 |
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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 | 561,955 |
| Total assets for the leverage ratio | 740,452 |
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Loans secured by real estate: | 527,497 |
| Tier 1 Leverage Ratio | 17.43 |
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Commercial and industrial loans | 19,256 |
| Off Balance Sheet Exposures (%) | 14.22 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 15,202 |
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:· Lake Shore Bank
