Lake Shore Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $722M | $588M | $554M | $118M | $2M | 1.07% | 6.59% | 3.95% | 0.28% |
| Q4 2025 | $728M | $596M | $555M | $117M | $2M | 1.03% | 7.43% | 3.71% | 0.30% |
| Q3 2025 | $744M | $613M | $553M | $114M | $2M | 1.03% | 7.71% | 3.64% | 0.33% |
| Q2 2025 | $734M | $631M | $552M | $91M | $2M | 0.89% | 7.02% | 3.59% | 0.32% |
| Q1 2025 | $688M | $585M | $552M | $88M | $1M | 0.67% | 5.21% | 3.46% | 0.62% |
| Q4 2024 | $685M | $577M | $545M | $87M | $2M | 0.74% | 6.17% | 3.24% | 0.69% |
| Q3 2024 | $697M | $591M | $539M | $87M | $1M | 0.69% | 5.83% | 3.20% | 0.74% |
| Q2 2024 | $710M | $594M | $544M | $84M | $1M | 0.63% | 5.44% | 3.13% | 0.73% |
| Q1 2024 | $717M | $599M | $555M | $83M | $1M | 0.59% | 5.17% | 3.10% | 0.70% |
| Q4 2023 | $725M | $597M | $556M | $82M | $817K | 0.72% | 6.47% | 3.65% | 0.60% |
| Q3 2023 | $713M | $589M | $565M | $78M | $2M | 0.80% | 7.32% | 3.76% | 0.62% |
| Q2 2023 | $714M | $588M | $570M | $80M | $933K | 0.76% | 6.87% | 3.75% | 0.50% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.