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Lake Shore Bancorp, Inc.
31 EAST FOURTH STREET
Phone: (716) 366-4070p:716 366-4070 DUNKIRK, NY  14048  United States Ticker: LSBKLSBK
This is a Subsidiary, click here for the Parent Company
Business Summary
Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank (the Bank), a federally chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has 11 full-service branch locations in Western New York, including five in Chautauqua County and six in Erie County. The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, brokered deposits, receipts of principal and interest payments on loans and securities.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes--Yes

Industries
SIC Code Description
6035 Savings institutions, federally chartered
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Non-Executive Independent Chairman of the Board Kevin M.Sanvidge 68 5/20/2020 1/1/2012
President, Chief Executive Officer, Director Kim C.Liddell 63 4/19/2023 4/19/2023
Vice Chairman of the Board Sharon E.Brautigam 67 1/1/2022 1/1/2004
6 additional Officers and Directors records available in full report.

Business Names
Business Name
Lake Shore Savings Bank Bancorp, Inc.
LSBK

General Information
Number of Employees: 115 (As of 12/31/2023)
Outstanding Shares: 5,737,036 (As of 9/30/2024)
Shareholders: 673
Stock Exchange: NASD
Federal Tax Id: 204729288
Fax Number: (302) 655-5049


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Tuesday, October 29, 2024