BlastPoint's Banking Scorecard

Lake Shore Bank

$100M-$1B Specialty: Commercial NY FDIC cert 30530

Dunkirk, NY

11 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Lake Shore Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.2% in tier
- Liquidity Overhang: Bottom 26.8% in tier
- ROA 0.20% below tier average
- Efficiency Ratio 3.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$721.5M +4.8% YoY -0.8% QoQ	+$335.4M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 11.6% in tier
Total Loans ?	$553.9M +0.4% YoY -0.3% QoQ	+$298.2M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 7.8% in tier
Total Deposits ?	$587.5M +0.4% YoY -1.4% QoQ	+$259.5M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 13.1% in tier
Return on Assets ?	1.07% +60.4% YoY +3.6% QoQ	-0.20%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.95% +14.2% YoY +6.4% QoQ	+0.02%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	68.84% -11.0% YoY +0.3% QoQ	+3.55%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.29% -54.5% YoY -5.4% QoQ	-0.60%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	94.28% +0.0% YoY +1.1% QoQ	+17.64%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	15.51% -1.4% YoY -3.9% QoQ	-6.51%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.22% -56.4% YoY -4.9% QoQ	-0.42%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	17.54% +22.6% YoY +5.4% QoQ	+1.71%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.09% -2.8% YoY -77.1% QoQ	-0.19%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#92 of 643 • Bottom 14.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#199 of 739 • Bottom 26.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.54%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 94.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

210

Total Loans

size

Value: $553.89M

Peer Median: $255.72M

#210 of 2664 Top 7.8% in $100M-$1B

311

Total Assets

size

Value: $721.51M

Peer Median: $386.08M

#311 of 2664 Top 11.6% in $100M-$1B

351

Total Deposits

size

Value: $587.51M

Peer Median: $327.97M

#351 of 2664 Top 13.1% in $100M-$1B

545

Tier 1 Capital Ratio

capital

Value: 17.54%

Peer Median: 15.83%

#545 of 2664 Top 20.4% in $100M-$1B

Top Weaknesses (1 metrics)

2234

Loan-to-Deposit Ratio

liquidity

Value: 94.28%

Peer Median: 76.64%

#2234 of 2664 Bottom 16.2% in $100M-$1B