BlastPoint's Banking Scorecard
Lake Shore Bank
Community
Specialty: Commercial
NY
FDIC cert 30530
Dunkirk, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Lake Shore Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$727.6M
+6.2% YoY
-2.2% QoQ
|
-$663.9M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$555.5M
+2.0% YoY
+0.5% QoQ
|
-$420.0M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$595.7M
+3.2% YoY
-2.8% QoQ
|
-$568.9M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.03%
+39.9% YoY
+0.4% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.71%
+14.5% YoY
+2.1% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
68.65%
-14.7% YoY
-0.8% QoQ
|
+6.02% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.30%
-56.7% YoY
-8.9% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
93.24%
-1.2% YoY
+3.4% QoQ
|
+10.17% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
16.15%
-6.5% YoY
+11.0% QoQ
|
-4.90% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.23%
-58.4% YoY
-6.3% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.39%
-11.0% YoY
+31.8% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#68 of 513 · Bottom 13% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.24%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
37
37th pctile
Total Loans
Current: $555.5M · Tier avg: $975.5M
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.15% · Tier avg: 21.05%
30
30th pctile
Efficiency Ratio
Current: 68.65% · Tier avg: 62.63%
29
29th pctile
Total Assets
Current: $727.6M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Deposits
Current: $595.7M · Tier avg: $1.2B
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.24% · Tier avg: 83.06%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.24% · Tier avg: 83.06%
27
27th pctile
Total Deposits
Current: $595.7M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Assets
Current: $727.6M · Tier avg: $1.4B
30
30th pctile
Efficiency Ratio
Current: 68.65% · Tier avg: 62.63%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.15% · Tier avg: 21.05%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
37
37th pctile
Total Loans
Current: $555.5M · Tier avg: $975.5M
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%