Who We Are


Lake Shore Savings Bank, currently headquartered in Dunkirk, NY, has been dedicated to serving the financial needs of consumers and businesses in Western New York for over 100 years. We focus on consistently providing a high-quality banking experience to our customers through our 11 full-service branches, 17 ATMs, and online banking solutions.

Lake Shore Savings Bank was first chartered as a savings and loan institution in 1891 in Dunkirk, NY. The first branch was constructed in Dunkirk shortly after. The Bank opened its second branch in Fredonia in 1987, and soon expanded to five branches in Chautauqua County. The Bank expanded into Erie County with branches in East Amherst and Orchard Park in 2003. In 2006, the Bank converted into a federal mutual holding company. As part of that process, Lake Shore Bancorp, Inc. conducted an initial public offering and became a publicly traded company (NASDAQ: LSBK). Over the next four years, three more branches opened in Erie County. The Bank opened its eleventh branch in Snyder in 2013.

Lake Shore Savings Bank’s Board of Directors and Senior Management Team include many professionals who all bring diverse strength to the organization. Please visit the Officers and Directors page of our website to learn more about them.

Our Mission

At Lake Shore Savings Bank, “Putting People First” means helping our customers, energizing our employees, respecting our shareholders, and serving the communities in our region!

Our mission is to deliver outstanding customer service and financial assistance to customers, build lasting customer relationships, and assist customers in achieving their financial goals.

Lake Shore Savings Bank professionals will meet customer and bank needs in an environment providing professional growth opportunities and fair rewards.

We will be responsive to our shareholders by maintaining a strong financial position as an independent bank with an emphasis on profitability, fair shareholder returns, and bank safety and soundness.

We will build on our success as a locally operated financial institution, to serve the financial needs of our communities.