Lake Shore Bank is a bank based in Dunkirk, New York, established in 1891, with $722 million in total assets across 11 branches. By Trust Grade it ranks 13th of 118 banks we track in New York. Its capital ratio of 16.4% is stronger than 93% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.07% return on assets. No consumer complaints against Lake Shore Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Lake Shore Bank compares to New York peers
How we graded Lake Shore Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.4% capital ratio)
- Strongly profitable (ROA 1.07%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Lake Shore Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 30 E Main St, Fredonia, NY 14063
- 1 S Green Ave, Jamestown, NY 14701
- 106 E Main St, Westfield, NY 14787
- 3111 Union Rd, Orchard Park, NY 14127
- 5751 Transit Rd, East Amherst, NY 14051
- 128 E 4th St, Dunkirk, NY 14048
- 59 Main St, Hamburg, NY 14075
- 3438 Delaware Ave, Buffalo, NY 14217
- 570 Dick Rd, Depew, NY 14043
- 4950 Main St, Buffalo, NY 14226
- 128 E 4th St, Dunkirk, NY 14048
Are deposits at Lake Shore Bank insured?
Yes. Lake Shore Bank is an FDIC-insured bank (FDIC certificate #30530). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Lake Shore Bank: frequently asked questions
Is Lake Shore Bank a good bank?
Lake Shore Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.4% capital ratio); Strongly profitable (ROA 1.07%).
Is Lake Shore Bank FDIC-insured?
Yes. Lake Shore Bank is a FDIC-insured bank (FDIC certificate #30530). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Lake Shore Bank?
Lake Shore Bank holds $722 million in total assets, ranking 13th of 118 banks we track in New York. It operates 11 branches.
Does Lake Shore Bank have CFPB complaints?
No CFPB complaints against Lake Shore Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
