Total Assets
$728M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Lake Shore Bank — FDIC Bank Health Profile
Dunkirk, New York · Est. 1891. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #30530 New York Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — Lake Shore Bank
Total Deposits
$596M
Customer-funded liabilities
Net Loans
$555M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$117M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.03%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
7.43%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
68.65%
Income & Expense Breakdown
$37M
Interest Income
$3M
Non-Interest Income
$19M
Non-Interest Expense
FDIC Deposit Insurance
Lake Shore Bank is FDIC-insured (Certificate #30530). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Lake Shore Bank
Lake Shore Bank is an FDIC-insured institution (Certificate #30530) headquartered in Dunkirk, New York, established in 1891. The bank currently holds $728M in total assets and $596M in customer deposits, with $555M deployed as loans. It operates as a State chartered (State member bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Lake Shore Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $117M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.03% and a Return on Equity of 7.43%, with an Efficiency Ratio of 68.65% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Lake Shore Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New York by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Lake Shore Bank (FDIC Cert #30530) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USA New York | $645.0B | B | 1.42% |
| The Bank of New York Mellon New York | $381.0B | B | 1.31% |
| Morgan Stanley Private Bank, National Association Purchase | $254.7B | B | 1.10% |
| Manufacturers and Traders Trust Company Buffalo | $212.9B | B | 1.40% |
| Flagstar Bank, National Association Hicksville | $87.5B | D | -0.14% |
| Bank of China New York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company Americas New York | $43.0B | A | 1.86% |
| State Bank of India New York | $22.6B | F | 0.00% |
Frequently Asked Questions
What is Lake Shore Bank's health grade? ▼
Lake Shore Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Lake Shore Bank? ▼
Lake Shore Bank holds $728M in total assets and $596M in deposits. It is headquartered in Dunkirk, New York.
Is my money safe at Lake Shore Bank? ▼
Yes. Lake Shore Bank is FDIC-insured (Certificate #30530). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Lake Shore Bank's Tier 1 Capital Ratio? ▼
Lake Shore Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Lake Shore Bank? ▼
Lake Shore Bank has an Efficiency Ratio of 68.65%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.