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Lake Shore Bank

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

Dunkirk, NY

11 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits -5.0% year over year ($599.1M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.13%.
  • Efficiency ratio 65.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.20% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Lake Shore Bank has 1 strength but faces 7 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 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.9% in tier
  • - Liquidity Overhang: Bottom 30.3% in tier
  • - Deposit Outflow: Bottom 38.1% in tier
  • - Flatlined Growth: Bottom 45.6% in tier
  • - Capital Constraint: Bottom 55.1% in tier
  • - ROA 0.19% below tier average
  • - Efficiency Ratio 1.26% above tier average
Get updates when Lake Shore Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $735.9M
+0.3% YoY +2.0% QoQ
+$349.3M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Top 10.9% in tier
Total Loans ? $558.3M
+1.1% YoY +0.8% QoQ
+$300.0M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Top 7.6% in tier
Total Deposits ? $599.1M
-5.0% YoY +2.0% QoQ
+$272.3M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Top 12.5% in tier
Return on Assets ? 1.13%
+27.8% YoY +6.1% QoQ
-0.19% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 4.00%
+11.5% YoY +1.3% QoQ
+0.02% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 65.73%
-8.1% YoY -4.5% QoQ
+1.26% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.26%
-20.4% YoY -10.5% QoQ
-0.66% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 93.20%
+6.4% YoY -1.1% QoQ
+15.25% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 16.12%
+7.4% YoY +3.9% QoQ
-5.91% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.20%
-16.5% YoY -8.0% QoQ
-0.47% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 17.43%
+21.3% YoY -0.6% QoQ
+1.52% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.18%
+2.6% YoY +100.9% QoQ
-0.39% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 16.1%
+1.1pp YoY
+0.6pp QoQ
 -6.0pp 22.1% 22.1% 22.2% 28%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 3.6%
+1.0pp YoY
+0.8pp QoQ
 -7.9pp 11.6% 11.0% 12.5% 12%
CRE 56.6%
+0.8pp YoY
0.0pp QoQ
 +17.1pp 39.5% 46.2% 41.4% 81%
1-4 Family 37.9%
-2.4pp YoY
-0.7pp QoQ
 +5.3pp 32.6% 36.6% 31.3% 67%
Consumer 2.7%
+0.5pp YoY
-0.1pp QoQ
 -1.5pp 4.1% 5.1% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.1% 19.7% n/a
Leverage Ratio 17.4%
+3.1pp YoY
-0.1pp QoQ
 +5.3pp 12.2% 13.9% 12.6% 94%
Total Capital Ratio n/a n/a 19.9% 27.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 84
-11 (-11.6%) YoY
-5 (-5.6%) QoQ
 +25 58 914 482 79%
Assets per Employee ($) $8.8M
+13.4% YoY
+8.1% QoQ
 +$1.2M $7.5M $14.8M $8.8M 77%
Branch Count 11
0 YoY
0 QoQ
 +6 4 27 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.3% 1.0% 34%
Allowance Coverage 3.32x
+14.2% YoY
+9.6% QoQ
 -20.83x 24.15x 1.92x 20.23x 61%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 7.0%
-0.1pp YoY
+0.4pp QoQ
 -5.2pp 12.2% 7.9% 11.6% 20%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 36%
Net Income ($, YTD) $4.1M
+32.5% YoY
— QoQ
 +$1.6M $2.6M $111.2M $40.4M 82%

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 (5)

Liquidity Strain

risk
#90 of 691 • Bottom 12.9% 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: 93.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#226 of 742 • Bottom 30.3% 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: 17.43%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#205 of 535 • Bottom 38.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#242 of 529 • Bottom 45.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.13%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Capital Constraint

risk
#60 of 107 • Bottom 55.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 17.43%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

201
Total Loans
size
Value: $558.33M
Peer Median: $258.35M
#201 of 2643 Top 7.6% in $100M-$1B
288
Total Assets
size
Value: $735.88M
Peer Median: $386.57M
#288 of 2643 Top 10.9% in $100M-$1B
331
Total Deposits
size
Value: $599.08M
Peer Median: $326.73M
#331 of 2643 Top 12.5% in $100M-$1B
569
Tier 1 Capital Ratio
capital
Value: 17.43%
Peer Median: 15.91%
#569 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (1 metrics)

2121
Loan-to-Deposit Ratio
liquidity
Value: 93.20%
Peer Median: 77.95%
#2121 of 2643 Bottom 19.8% in $100M-$1B
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