Lake Shore Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Lake Shore Bancorp has total assets of $697.6M and total equity of $89.9M. Total deposits are $587.6M, and total loans are $539.0M. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $50.0M.
Key information
7.8x
Asset to equity ratio
3.6%
Net interest margin
| Total deposits | US$587.56m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$49.98m |
Recent financial health updates
No updates
Recent updates
Lake Shore Bancorp: Attractive Dividend Yield, Payout Appears Secure Due To The Earnings Outlook
Oct 20Lake Shore Bancorp raises dividend by 12.5% to $0.18/share
Jul 20Lake Shore Bancorp (NASDAQ:LSBK) Is Increasing Its Dividend To US$0.16
Feb 15
Shareholders May Not Be So Generous With Lake Shore Bancorp, Inc.'s (NASDAQ:LSBK) CEO Compensation And Here's Why
May 13Lake Shore Bancorp declares $0.13 dividend
Apr 28Is Lake Shore Bancorp, Inc. (NASDAQ:LSBK) A Great Dividend Stock?
Mar 29Lake Shore Bancorp, Inc. (NASDAQ:LSBK) Pays A US$0.13 Dividend In Just Four Days
Feb 20Lake Shore Bancorp reports Q4 results
Jan 29A Look At Lake Shore Bancorp's (NASDAQ:LSBK) Share Price Returns
Jan 27
Is Lake Shore Bancorp, Inc. (NASDAQ:LSBK) A Smart Pick For Income Investors?
Dec 05Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: LSBK's Assets to Equity ratio (7.8x) is low.
Allowance for Bad Loans: LSBK has a sufficient allowance for bad loans (137%).
Low Risk Liabilities: 97% of LSBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: LSBK has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: LSBK's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: LSBK has an appropriate level of bad loans (0.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/08 11:01 |
| End of Day Share Price | 2025/01/08 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Lake Shore Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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