Lake Shore Bancorp Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
No analyst estimates are published for this company.
Coverage varies across the market: larger companies are often followed by dozens of analysts, while smaller or recently listed ones may have none.
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly402.0%Target: Maintain above 3.80%
Efficiency Ratio Quarterly6,958.0%Target: Below 65.00%
Non-Performing Assets (NPA) Ratio Quarterly22.0%Target: Below 0.50%
Bank-level Tier 1 Leverage Ratio Quarterly17.5xTarget: Well above regulatory minimums (>10.0%)
Watch Items
- Commercial Real Estate (CRE) ConcentrationTrigger: CRE concentration ratio (excluding owner-occupied) exceeding 200% of total capitalAction: Review underwriting standards, stress-test the CRE portfolio, and selectively slow down new CRE originations.
- Deposit Cost InflationTrigger: Cost of interest-bearing deposits rising above 2.50%Action: Optimize deposit pricing strategies, promote non-interest-bearing accounts, and evaluate alternative local funding sources.
Research as of 19 Jun 2026