Banks | Lake Shore Bank

Lake Shore Bank

Lake Shore Bank is an FDIC insured institution headquartered at 128 E 4th St, Dunkirk, NY 14048.
It was founded in 1891 and has approximately $1 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - February 27, 2026

SAVINGS RATES	APY	MIN
SAV	0.75%	$25,000	Compare

CD RATES	APY	MIN
6 Mo CD	0.15%	$500	Compare
9 Mo CD	5.05%	$500	Compare
12 Mo CD	0.15%	$500	Compare
18 Mo CD	0.20%	$500	Compare
22 Mo CD	3.44%	$500	Compare
24 Mo CD	0.50%	$500	Compare
36 Mo CD	0.40%	$500	Compare
48 Mo CD	0.45%	$500	Compare
55 Mo CD	3.11%	$500	Compare
60 Mo CD	0.50%	$500	Compare

MM RATES	APY	MIN
Money Market	2.65%	$1	Compare

Loan Rates - February 27, 2026

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
7 Year Adjustable Conforming	7.63%	$2,237.49
10 Year Fixed Conforming	6.31%	$3,552.66
15 Year Fixed Conforming	6.21%	$2,700.34
20 Year Fixed Conforming	6.54%	$2,363.28
30 Year Fixed Conforming	6.74%	$2,050.05

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
7 Year Adjustable Conforming	7.63%	$2,237.49
10 Year Fixed Conforming	6.31%	$3,552.66
15 Year Fixed Conforming	6.21%	$2,700.34
20 Year Fixed Conforming	6.54%	$2,363.28
30 Year Fixed Conforming	6.74%	$2,050.05

See Other Mortgage Rates →

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 30530
Date Established	1891
Assets	$ 743.92 million
Loans	$ 552.68 million
Deposits	$ 613.10 million
Capital	$ 114.06 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 83.41 million
Interest-bearing balances	$ 80.34 million
Total securities	$ 56.05 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 552.68 million
Loan loss allowance	$ 4.87 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 0.17 million
All other assets	$ 32.91 million
Total Assets	$ 629.86 million

LIABILITIES
Total deposits	$ 613.10 million
Interest-bearing deposits	$ 523.94 million
Deposits held in domestic offices	$ 613.10 million
% insured (estimated)"	85.40%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 27.42 million
Subordinated debt	N.A.
All other liabilities	$ 6.12 millionn
Total Liabilities	$ 629.86 million
Shareholders’ Equity	$ 114.06 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 26.99 million
Total Interest Expense	$ 9.00 million
Net interest income	$ 17.98 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 2.21 million
Total non interest expense	$ 13.97 million
Pre-tax Net Operating Income	$ 3.42 million

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Branches

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Lake Shore Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT

BANK

BANK TYPE

STATE

AMOUNT

TERM

APY

VS.NATL'L AV.

MIN

MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

LOCAL SAVINGS

Lake Shore Savings Bank

Bank

$50,000

N.A.

0.75%

3.33x (National Avg. - 0.23%)

$25,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

ONLINE SAVINGS

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