# LAKE SHORE BANK
DUNKIRK, NY · FDIC certificate 30530 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $735.9M | |
| Deposits | $599.1M | |
| Loans and leases | $563.1M | |
| Total equity | $121.4M | |
| Loans / deposits | 93.20% (p78 of band) | 82.04% |
| Liquid assets / assets | 17.06% (p22 of band) | |
| Uninsured deposits / deposits | 11.65% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.70% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.43% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -8.05% (p50 of band) | -8.10% |
| AOCI / equity | -0.01% (p73 of band) | |
| ROA (annualized) | 1.13% (p41 of band) | 1.28% |
| Net interest margin | 4.00% (p55 of band) | 3.91% |
| Efficiency ratio | 65.73% (p63 of band) | |
| Noncurrent loans | 0.25% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 331.96% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 19.76% (p25 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $44,000 (0% of equity) (p90 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-23 [Lake Shore Bank staves off proxy war - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWjV2VklyYUJmY2JsQlctdTg4T2FoNEtLYnd5ekhpZ25QeHJBOTFOZnRYSkVvOWlpcWRPOXlDZDYwb0dRcmxYVm5RTUZYbExoUkRlNHRoVUc3bWE1X1ZUaENmYXIySWd1SHF2Z0JhMHdOY0JSTHZNSmhWSmtBUERmaVdYZnI4NjVmNmpjZ1VRblYtU2c2R0E?oc=5) · Yahoo Finance
- 2026-07-24 [Lake Shore Bancorp Declares $0.09 Per Share Quarterly Cash Dividend - Quiver Quantitative](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUW9hYmJDemRtOXJwTy1CZkxPcGl1Mjk1TnVkVDFnUEhwM2IxT1MwTzNxVHpRaTFIOGp3UWZpeUQtOG84azRqT1NOU3FSNklCVjlUeE81LTFycFdwZDQ5UU5adVo4MER6MXViSFliWUhYSjBCWGdfa0lMUXhsRTVUMU40eU5VTUZacHRxTWJ1N2ZLYkFOOWszZHJNdXAwRkVMSG1Kbw?oc=5) · Quiver Quantitative
- 2026-03-20 [Formerly 'troubled' bank reaches truce with activist investor - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMWlyZ19JWlJPQmJvQ21VMXJKSlBtWWpNTDNNLW51NVFWN2wzc18ydkhiNENUTDVsMThBREhuTUJhekRnN1dwUExVWlhNbVVIdjdrUDF3eWJ2UzJ2bnd0dm13S0ZVWHFxUGVHN1pHY0R6bEJLc2pSSnViQkdFeEVfRmV4bUgzSkR3aFBnOXRPMjdDQU55MG1VUU9LSQ?oc=5) · American Banker
- 2025-07-18 [Lake Shore Bank parent raises $49.5 million in stock conversion - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZlJldzY4WUl0dWpKcDZRY3BRQ2EtdUtBdVlteGR0Wjlxd2JLelR5MDVpSmZoOE1ldGNib0ZyZVZaTGdvbkltZXBpcFJyQWItaWZvdkhsMkhvX2FLa2JlTXBUcV9KNVlEbTBoaUd0cW9XU3FwSjAxcjBTQXRzWU5NRHhlTFFhWWF2VDZoV1RkWVhNUmlLMHBiSk0yLXI5MnM?oc=5) · The Business Journals
- 2023-03-08 [Dimitri promoted to VP at Lake Shore Bank - - Observer Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcEtjb2p2X25tZnd6dDJVbnl1WHJsa055MUpKNW9qSmgteUg1VEIzTkxZZjlUdmNnU1ZHWmJPNnFvMGtXZzBWQUVFMUs2REpJMmg3aFBBcndkY1Qyc2ktWjROYlpLUVdLRS1TQUFSdG1VSWdWdHVIdkUxUTd2Rmc4V3hGV2lFNWlfYk5MQ2hyajB6amJsME5YOF8zLTZZVk0?oc=5) · Observer Today
- 2025-04-24 [Lake Shore Bncop (LSBK) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE1uR291NjlUbkYzU0hIeER5aGZCMndpaGdhVUFPUmNRY2NjNHZfVVotYk85ZGZtUkExamNnOS1OQ1lfTnlubmJtMk9VYURwVG1hc2dV?oc=5) · stocktitan.net
- 2025-07-08 [Lake Shore Bancorp Announces Closing Date of Conversion Transaction and Results of Stock Offering - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxOb28tRVJEUkhIalVYMXRIcHhvVy14clcxdWlIWnplUXlYRVQ2RzlPbDBsTjVVbjdPSmR5NGZkdWRYU2EyNG1XaDNab05fUHRyRkMyXy1YR082UHZVREwwTl8ycGZESkF5c1NmeEhicE9hN0s4VkFWeTlsOFNDRG9PR2xSajM4WTNKR1E?oc=5) · Yahoo Finance
- 2026-03-23 [Wall Street-style drama for 2 credit unions and a community bank - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMm1Bek1zaVpfY0JIUjdveC1jN3lJaFRDUFpFdmsxMXVVcjBvSjdRRFFrWDEtWl9oYjJxbjNuOVBtNlVqVW5taGYxYl9EakxkTjIwRk9BaEhWVWlWeE5wUUZrdHZIX1lNTFVGek9KQUVZV3hYQ3VYa1hwVUJZcDRfVkNRYVRyYk1wTVZlbWxVVDJ4Q2ZhNGVPVTByeXJwMnk4RGFkMW1TLTg?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30530 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "30530", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide