TellerScore

Lake Shore Bank (FDIC certificate #30530) is based in Dunkirk, New York. Its Q2 2026 call report shows $735.9M in total assets and $599.1M in deposits and 11 offices.

Lake Shore Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 9th. Capital cushion contributes the most (100/100, 17.43%); earnings contributes the least (65/100, 1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.43%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.2% · 11.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (82 → 86), mostly because the earnings component improved by 9 points.

TellerScore
717986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202475
Q1 202576
Q2 202582
Q3 202585
Q4 202584
Q1 202685
Q2 202686
Tier 1 leverage ratio
5.00%11.27%17.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.02%
Q3 202413.37%
Q4 202413.83%
Q1 202514.31%
Q2 202514.37%
Q3 202516.34%
Q4 202516.65%
Q1 202617.54%
Q2 202617.43%
Noncurrent loans
0.25%0.50%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.74%
Q4 20240.69%
Q1 20250.62%
Q2 20250.32%
Q3 20250.33%
Q4 20250.30%
Q1 20260.28%
Q2 20260.25%
Return on assets
0.63%0.88%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.69%
Q4 20240.74%
Q1 20250.67%
Q2 20250.89%
Q3 20251.03%
Q4 20251.03%
Q1 20261.07%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$735.9M17.43%0.25%1.13%93.2%
Q1 202685$721.5M17.54%0.28%1.07%94.3%
Q4 202584$727.6M16.65%0.30%1.03%93.2%
Q3 202585$743.9M16.34%0.33%1.03%90.1%
Q2 202582$734.0M14.37%0.32%0.89%87.6%
Q1 202576$688.4M14.31%0.62%0.67%94.3%
Q4 202475$685.2M13.83%0.69%0.74%94.4%
Q3 202473$697.4M13.37%0.74%0.69%91.3%
Q2 202471$710.5M13.02%0.73%0.63%91.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.43%
94th
Total risk-based capital0.00%
24th
Problem loans0.25%
61st
Net charge-offs0.00%
54th
Return on assets1.13%
43rd
Net interest margin4.00%
53rd
Efficiency ratio65.7%
40th
Loans to deposits93.2%
20th
Uninsured deposits11.6%
90th
Loan-loss reserves0.84%
14th
Texas ratio1.2%
67th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of ScotiaBank Scotia, NY55 out of 100, Moderate$719.0M9.2%1.50%vs
Jeff Bank, National AssociationBank Jeffersonville, NY95 out of 100, Very strong$686.2M14.9%0.37%vs
Geddes Federal Savings and Loan AssociationBank Syracuse, NY74 out of 100, Strong$685.7M14.7%0.44%vs
Quontic BankBank Astoria, NY37 out of 100, Low$787.0M9.7%3.53%vs
Carver Federal Savings BankBank New York, NY23 out of 100, Low$658.1M8.7%3.46%vs
Modern Bank, National AssociationBank New York, NY30 out of 100, Low$648.5M9.6%5.60%vs

Deposit insurance

Is my money safe at Lake Shore Bank?

Yes. Lake Shore Bank is an FDIC-insured institution (FDIC certificate #30530). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.6% of deposits ($69.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Lake Shore Bank lists 10 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lake Shore Bank reported 165 home-loan applications under HMDA (LEI 549300FEBB5EMDXTC518): 117 originated ($31,135,000 total), 37 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lake Shore Bank
Former names
Lake Shore Savings and Loan Association; Lake Shore Savings Bank
Type
State-chartered bank
FDIC certificate #
30530
RSSD ID
301574
Primary regulator
FDIC
Holding company
Lake Shore Bcorp Inc
Established
January 1, 1891
Headquarters
128 E 4th St, Dunkirk, NY 14048
Employees
84

Quick answers

Lake Shore Bank: common questions

Is Lake Shore Bank FDIC insured?

Yes. Lake Shore Bank is an FDIC-insured institution (FDIC certificate #30530). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lake Shore Bank's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lake Shore Bank ever failed?

There is no failure record for FDIC certificate #30530 in the FDIC failed bank list.

How many branches does Lake Shore Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dunkirk

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Suny Fredonia Federal Credit UnionCredit union Fredonia, NY95 out of 100, Very strong$48.3M18.7%0.63%vs
Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY78 out of 100, Strong$163.1M17.6%1.61%vs
Greater Chautauqua Federal Credit UnionCredit union Falconer, NY73 out of 100, Strong$102.3M11.4%0.88%vs
Inner Lakes Federal Credit UnionCredit union Westfield, NY70 out of 100, Strong$165.9M9.8%0.57%vs
Radius Federal Credit UnionCredit union Kenmore, NY70 out of 100, Strong$87.2M15.8%2.50%vs