| Metric | Lake Shore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.9% | -4.6 pts |
| Deposit growth (YoY) | -5.0% | +4.3% | -9.4 pts |
| Loan growth (YoY) | +1.1% | +5.3% | -4.3 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 7.0% | 12.4% | -5.5 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $735.9M | $599.1M | $558.3M | $121.4M | $4.1M | 1.13% | 4.00% | 0.20% |
| Q1 2026 | $721.5M | $587.5M | $553.9M | $118.4M | $1.9M | 1.07% | 3.95% | 0.22% |
| Q4 2025 | $727.6M | $595.7M | $555.5M | $117.0M | $7.4M | 1.03% | 3.71% | 0.23% |
| Q3 2025 | $743.9M | $613.1M | $552.7M | $114.1M | $5.5M | 1.03% | 3.64% | 0.25% |
| Q2 2025 | $734.0M | $630.8M | $552.4M | $90.7M | $3.1M | 0.89% | 3.59% | 0.24% |
| Q1 2025 | $688.4M | $585.2M | $551.7M | $88.5M | $1.1M | 0.67% | 3.46% | 0.50% |
| Q4 2024 | $685.2M | $577.1M | $544.6M | $87.3M | $5.2M | 0.74% | 3.24% | 0.56% |
| Q3 2024 | $697.4M | $590.6M | $539.0M | $86.9M | $3.7M | 0.69% | 3.20% | 0.58% |
Loan mix (Q2 2026): real estate $527.9M · commercial $20.2M · consumer $14.9M · securities $53.6M
| Ratio | Lake Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 61.2% | 63rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lake Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lake Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Lake Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lake Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lake Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
11 branches in 2 counties across 1 state (-1 vs 2024) · $630.8M branch deposits. Biggest market: Chautauqua, NY, ranked 3rd with 12.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chautauqua, NY | 5 | $371.3M | 12.48% | 3rd |
| Erie, NY | 6 | $259.6M | 0.43% | 13th |
New York: 116th with 0.02% · Buffalo-Cheektowaga metro: 14th, 0.40% ·
Branch count: 2022 12 · 2023 12 · 2024 12 · 2025 11