Total Assets
$728M
Total balance-sheet footings
FDIC Cert #30530 · Dunkirk, New York · Est. 1891
Lake Shore Bank - FDIC Bank Health Profile
A community-scale look at Lake Shore Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $728M
- Total assets
- A
- Health grade · Excellent
- 1.03%
- Return on assets
- 16.7%
- Tier 1 capital
Data updated July 2026
The verdict
Lake Shore Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.65% Tier 1, profitable at 1.03% ROA, 69% efficiency ratio.
- #1,347
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 16.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 45th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Lake Shore Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lake Shore Bank's composite health score
Tier 1 Capital Ratio (16.65%) 40/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (1.38%) 20/20
Efficiency Ratio (68.65%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$596M
Customer-funded liabilities
Net Loans
$555M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lake Shore Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lake Shore Bank's score of 88/100 falls in the highlighted band.
Lake Shore Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lake Shore Bank's $728M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.65%
Texas Ratio
1.38%
Equity Capital
$117M
Profitability metrics
Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
7.43%
Efficiency Ratio
68.65%
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. It holds $728M in total assets - 1,347th of 4,313 FDIC-insured banks, $596M in customer deposits, and $555M in net loans. Looking at capital strength, Tier 1 stands at 16.65%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.38%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New York, Lake Shore Bank ranks 66th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$37M
Interest Income
$3M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lake Shore Bank reports a Texas Ratio of 1.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lake Shore Bank (FDIC Cert #30530) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew 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 A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Lake Shore Bank?▼
Lake Shore Bank holds $728M in total assets and $596M in deposits, ranking 1,347th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dunkirk, New York.
Is my money safe at Lake Shore Bank?▼
Yes, deposits at Lake Shore Bank (Certificate #30530) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lake Shore Bank's Tier 1 Capital Ratio?▼
Lake Shore Bank has a Tier 1 Capital Ratio of 16.65%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Lake Shore Bank?▼
Lake Shore Bank has a Texas Ratio of 1.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read Lake Shore Bank's profile as a depositor or analyst.
- Lake Shore Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lake Shore Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.