Total Assets
$735.9M
Total Deposits
$599.1M
Branches
11
Established
1891
Lake Shore Bank is a bank headquartered in Dunkirk, New York, established in 1891. It holds $735.9M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Lake Shore Bank earns a TFS Financial Health Grade of B+ (84.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
84.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Lake Shore BankHQ | 128 E 4th St | Dunkirk | NY | 11 |
| Lake Shore Bank | 3438 Delaware Ave | Buffalo | NY | 11 |
| Lake Shore Bank | 4950 Main St | Buffalo | NY | 11 |
| Lake Shore Bank | 570 Dick Rd | Depew | NY | 11 |
| Lake Shore Bank | 128 E 4th St | Dunkirk | NY | 13 |
| Lake Shore Bank | 5751 Transit Rd | East Amherst | NY | 11 |
| Lake Shore Bank | 30 E Main St | Fredonia | NY | 11 |
| Lake Shore Bank | 59 Main St | Hamburg | NY | 11 |
| Lake Shore Bank | 1 S Green Ave | Jamestown | NY | 11 |
| Lake Shore Bank | 3111 Union Rd | Orchard Park | NY | 11 |
| Lake Shore Bank | 106 E Main St | Westfield | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
84.3
Tier 1 capital ratio
17.43%
Return on assets
1.13%
Non-performing loans
0.25%
Efficiency ratio
65.73%
Asset growth (YoY)
0.26%
Suggested direct comparisons
Buffalo, NY
$218.8B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.