Dunkirk, NY · Cert 30530 · Lake Shore Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.4% share · #13 of 20 inst. · $0.3B of $67.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.74% | 0.67% | 0.89% | 1.03% | 1.03% | 1.07% | 1.13% | +25 bps | |
| Return on Equity | 5.83% | 6.17% | 5.21% | 7.02% | 7.71% | 7.43% | 6.59% | 6.95% | -7 bps | |
| Net Interest Margin | 2.95% | 3.01% | 3.19% | 3.33% | 3.19% | 3.28% | 3.66% | 3.64% | +31 bps | |
| Efficiency Ratio | 80.32% | 80.52% | 77.39% | 71.55% | 69.20% | 68.65% | 68.84% | 65.73% | -581 bps | |
| Non-Interest Burden | 2.29% | 2.34% | 2.38% | 2.28% | 2.09% | 2.13% | 2.41% | 2.27% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | -5.46% | -4.00% | 3.30% | 6.67% | 6.19% | 4.81% | 0.26% | -304 bps | |
| Loan Growth (YoY) | -4.72% | -2.23% | -0.87% | 1.33% | 2.39% | 1.92% | 0.33% | 0.99% | -34 bps | |
| Deposit Growth (YoY) | 0.33% | -3.25% | -2.36% | 6.12% | 3.81% | 3.22% | 0.40% | -5.03% | -1,115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.69% | 0.62% | 0.32% | 0.33% | 0.30% | 0.28% | 0.25% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 0.93% | 0.93% | 0.93% | 0.87% | 0.87% | 0.86% | 0.84% | -8 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 1.5x | 2.9x | 2.7x | 2.9x | 3.0x | 3.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.37% | 13.83% | 14.31% | 14.37% | 16.34% | 16.65% | 17.54% | 17.43% | +306 bps | |
| Total Risk-Based Capital | 13.37% | 13.83% | 14.31% | 14.37% | 16.34% | 16.65% | 17.54% | 17.43% | +306 bps | |
| Equity / Assets | 12.46% | 12.74% | 12.85% | 12.36% | 15.33% | 16.08% | 16.41% | 16.49% | +414 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.21% | 95.26% | 95.16% | 88.39% | 90.94% | 94.06% | 95.09% | 93.99% | +560 bps | |
| Liquid Assets / Assets | 6.67% | 4.44% | 4.01% | 9.87% | 10.80% | 8.42% | 8.13% | 9.40% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 250% | 248% | n/a | n/a | |