Side-by-side · Q2 2026 data
Northwest Bank vs Lake Shore Bank
Metric by metric
| Measure | Northwest Bank | Lake Shore Bank |
|---|---|---|
| TellerScore | 66 | 86 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 77 | 92 (stronger) |
| Earnings | 73 (stronger) | 65 |
| Funding & liquidity | 55 | 67 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 58th | 90th |
| Total assets | $17.2B | $735.9M |
| Deposits / shares | $14.4B | $599.1M |
| Capital ratio | 9.84% | 17.43% (stronger) |
| Problem loans | 0.69% | 0.25% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 1.13% |
| Loans ÷ deposits | 91.0% (stronger) | 93.2% |
| Uninsured deposits | 27.4% | 11.6% (stronger) |
| Offices | 153 | 10 |
| CFPB complaints (3 yrs) | 158 | — |
| Complaints per $1B deposits | 11.0 | — |
| Mortgage denial rate (HMDA) | 20.6% | 23.9% |
Lake Shore Bank has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Northwest Bank leads on 2 and Lake Shore Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Buffalo, NY
- Jamestown, NY
- Depew, NY
- East Amherst, NY
- Hamburg, NY
- Orchard Park, NY