Lake Shore Bancorp

Lake Shore Bancorp, Inc. is a bank holding company that operates through Lake Shore Bank, a community-oriented financial institution serving customers in Western New York. The company provides a range of personal and business banking services, including deposit accounts, checking and savings products, money market accounts, and retirement accounts. Its lending activities focus on residential mortgages, home equity loans and lines, commercial real estate, commercial business lending, and consumer loans. Lake Shore Bancorp also offers debit and credit cards, online and mobile banking, wire services, direct deposit, safe deposit boxes, and other cash management and account services. Through its local branch network, the company serves individuals, small businesses, and commercial customers with relationship-based banking and lending solutions. Headquartered in Dunkirk, New York, Lake Shore Bancorp plays a regional role in community banking and deposit gathering, with revenue primarily tied to interest income from loans and investment securities.