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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 - July 13, 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




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30530
Date Established 1891
Assets $ 727.59 million
Loans $ 555.45 million
Deposits $ 595.74 million
Capital $ 116.99 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 64.73 million
Interest-bearing balances $ 61.25 million
Total securities $ 56.14 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 555.45 million
Loan loss allowance $ 4.88 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.16 million
All other assets $ 32.91 million
     Total Assets $ 610.60 million

LIABILITIES
Total deposits $ 595.74 million
      Interest-bearing deposits $ 499.55 million
      Deposits held in domestic offices $ 595.74 million
      % insured (estimated)" 87.35%
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 $ 610.60 million
      Shareholders’ Equity $ 116.99 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 36.51 million
Total Interest Expense $ 11.93 million
Net interest income $ 24.58 million
Provision for loan and lease losses N.A.
Total non interest income $ 2.85 million
Total non interest expense $ 18.83 million
Pre-tax Net Operating Income $ 3.42 million

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