Lake Shore Bank
Headquarters: Dunkirk, New York
Overview
Lake Shore Bank is an FDIC-insured bank headquartered in Dunkirk, New York. It reported $721.51M in assets and $587.52M in deposits for the period ending March 31, 2026. Bankular currently lists 10 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Lake Shore Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Lake Shore Bank
Depew Branch
570 Dick Rd, Depew, New York, 14043
Full-service branch · Opened April 5, 2010
East Amherst Branch
5751 Transit Rd, East Amherst, New York, 14051
Full-service branch · Opened August 24, 2003
Fredonia Branch
30 E Main St, Fredonia, New York, 14063
Full-service branch · Opened June 30, 1988
Hamburg Branch
59 Main St, Hamburg, New York, 14075
Full-service branch · Opened December 5, 2005
Kenmore
3438 Delaware Ave, Buffalo, New York, 14217
Full-service branch · Opened December 1, 2008
Main Office
128 E 4th St, Dunkirk, New York, 14048
Full-service branch · Opened January 1, 1891
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $721.51M | $587.52M | $553.89M | 1.07% |
| December 31, 2025 | $727.59M | $595.74M | $555.45M | 1.03% |
| September 30, 2025 | $743.92M | $613.10M | $552.68M | 1.03% |
| June 30, 2025 | $733.96M | $630.82M | $552.42M | 0.89% |
| March 31, 2025 | $688.37M | $585.15M | $551.66M | 0.67% |
| December 31, 2024 | $685.16M | $577.14M | $544.63M | 0.74% |
| September 30, 2024 | $697.39M | $590.57M | $539.05M | 0.69% |
| June 30, 2024 | $710.49M | $594.46M | $544.35M | 0.63% |
Size and reach
How this institution compares
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More on Lake Shore Bank
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Branch locations
10 listed locations.
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Explore →State banking market
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Explore →Dunkirk banking market
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Lake Shore Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 30530.
Where is Lake Shore Bank headquartered?
Lake Shore Bank is headquartered in Dunkirk, New York, at 128 E 4th St, Dunkirk, New York, 14048.
How large is Lake Shore Bank?
It reported $721.51M in assets and $587.52M in deposits for the period ending March 31, 2026.
How many locations does Lake Shore Bank have?
Bankular currently lists 10 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.