Lake Shore Bank
Dunkirk, NY · Cert 30530 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lake Shore Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$735.9MAssets
$563.1MLoans
$599.1MDeposits
$121.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating in a single state (rank 71 of 746).
- Widest gap: return on equity trails 74% of banks under $1B in assets operating in a single state (rank 555 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.12%
Rank 337 of 746
Net Interest Margin
3.64%
Rank 386 of 746
Efficiency Ratio
65.73%
Rank 399 of 746
Equity / Assets
16.49%
Rank 71 of 746
Non-interest income vs. expense
Unfavorable gap of $16.8M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 55% | 337 / 746 | |
| Return on Equity | 6.81% | 6.74% | 10.51% | 13.63% | Beats 26% | 555 / 746 | |
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 386 / 746 | |
| Efficiency Ratio | 65.73% | 55.74% | 64.58% | 75.47% | Beats 47% | 399 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.42% | 1.07% | Beats 62% | 282 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 255 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.43% | 11.55% | 13.75% | 17.60% | Beats 74% | 195 / 746 | |
| Total Risk-Based Capital Ratio | 17.43% | 11.71% | 14.33% | 18.43% | Beats 71% | 217 / 746 | |
| Equity / Assets | 16.49% | 8.90% | 10.51% | 13.06% | Beats 90% | 71 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 93.99% | 61.31% | 78.27% | 90.78% | 82nd pctl | 135 / 746 | |
| Loans / Assets | 76.52% | 53.60% | 66.97% | 76.08% | 76th pctl | 177 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |