Bank · FDIC insured
Lake Shore Bank
A $735.9M bank headquartered in Dunkirk, NY, with 10 branches in New York. Best rates: CDs 4.44% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs854.44%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lake Shore Bank
Lake Shore Bank is a New York chartered commercial bank founded in 1891 and owned by Lake Shore Bancorp, Inc.
Locally headquartered in Western New York, the bank operates 10 full-service branches across Chautauqua and Erie counties.
- Headquarters
- 128 E 4th St, Dunkirk, NY 14048
- FDIC certificate
- 30530 ↗
Branches
10 branches in New York
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New York
10 branches
Buffalo area · 6
- Kenmore Branch3438 Delaware Ave, Buffalo, NY 14217Directions
- Snyder Branch4950 Main St, Buffalo, NY 14226Directions
- Depew Branch570 Dick Rd, Depew, NY 14043Directions
- East Amherst Branch5751 Transit Rd, East Amherst, NY 14051Directions
- Hamburg Branch59 Main St, Hamburg, NY 14075Directions
- Orchard Park Branch3111 Union Rd, Orchard Park, NY 14127Directions
Jamestown area · 4
- Lake Shore BankMain office128 E 4th St, Dunkirk, NY 14048Directions
- Fredonia Branch30 E Main St, Fredonia, NY 14063Directions
- West Ellicot Branch1 S Green Ave, Jamestown, NY 14701Directions
- Westfield Branch106 E Main St, Westfield, NY 14787Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 17.43% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.25% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.13% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio17.43%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.25%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.13%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lake Shore Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.