Lake Shore Bank
Headquartered in Dunkirk, NY. Part of Lake Shore Bancorp, Inc. FDIC certificate #30530 · Federal Reserve RSSD 301574.
Total assets
$736M
Deposits
$599M
Q2 2026
Active branches
11
Closings since Jan 2020
1
0 openings since Jan 2020
Financial snapshot — Q2 2026
All quarters →Net income (quarter)
$2M
Return on assets
1.13%
Return on equity
6.95%
Noncurrent loan rate
0.25%
Deposits by year (Summary of Deposits)
02019
12020
12021
12022
12023
12024
12025
12026
Values in $ billions, June 30 of each year.
Closings by year
12024
Other network changes since 2020
- July 18, 2025: legal name changed from “Lake Shore Savings Bank” to “Lake Shore Bank”
Branches by state
Recent closings
- 115 E 4TH ST · closed September 27, 2024
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.mylsbank.com.