LAKE SHORE SAVINGS BANK
DUNKIRK, NEW YORK · FDIC Cert #30530
Capital & Safety Analysis
According to FDIC financial data, LAKE SHORE SAVINGS BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject LAKE SHORE SAVINGS BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
LAKE SHORE SAVINGS BANK shows some financial weakness with a Health Score of 42/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
LAKE SHORE SAVINGS BANK has a Bank Health Score of D (42/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
LAKE SHORE SAVINGS BANK holds $710M in total assets and $594M in total deposits. It is located in DUNKIRK, NEW YORK (FDIC Certificate #30530).
LAKE SHORE SAVINGS BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.73%, and the return on assets is 0.75%.
Yes. LAKE SHORE SAVINGS BANK is FDIC-insured (Certificate #30530). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.