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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 - December 26, 2025

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 - December 26, 2025

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
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union   Pentagon Federal Credit Union
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
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union   Pentagon Federal Credit Union
See Other Mortgage Rates →

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30530
Date Established 1891
Assets $ 733.96 million
Loans $ 552.42 million
Deposits $ 630.82 million
Capital $ 90.70 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 75.20 million
Interest-bearing balances $ 72.44 million
Total securities $ 55.32 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 552.42 million
Loan loss allowance $ 5.16 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 $ 643.26 million

LIABILITIES
Total deposits $ 630.82 million
      Interest-bearing deposits $ 536.18 million
      Deposits held in domestic offices $ 630.82 million
      % insured (estimated)" 83.59%
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 $ 643.26 million
      Shareholders’ Equity $ 90.70 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 17.58 million
Total Interest Expense $ 5.93 million
Net interest income $ 11.65 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 1.29 million
Total non interest expense $ 9.26 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."

  • 1
    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
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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