Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Lake Shore Bank

Dunkirk, New YorkBankNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$30Above the typical range ($20–$25 nationally)

Dormant Checking Account Charge$5

At the national median

per month · Source

plus account research items (not drawn on Lake Shore Bank)$10

$15 below the national median

per item · Source

ATM & CardVerified

per box ATM International Transaction Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
per item Replacement of Debit Cards/PINs$10Within the typical range ($5–$10 nationally)
At the national median
per item · Source

Check ServicesVerified

Coin and Currency Fees | Stop Payment Fees$34Above the typical range ($20–$30 nationally)
$8 above the national median
per item · Source

Account ServicesVerified

Incoming$15Below the typical range ($30–$70 nationally)
$30 below the national median
per item · Source
Notary Public Fee (non-customer)$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
Source
per item Replace Lost Key$25Below the typical range ($30–$70 nationally)
$20 below the national median
per item · Source

Lending FeesVerified

Late Payment Fee (after 30 days)$10Below the typical range ($15–$25 nationally)
$12 below the national median
per month · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Dormant Checking Account Charge	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
plus account research items (not drawn on Lake Shore Bank)	$10Below the typical range ($20–$25 nationally)	$15 below the national median	per item	—	Source
ATM & CardVerified
per box ATM International Transaction Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	—	Source
per item Replacement of Debit Cards/PINs	$10
Check ServicesVerified
Coin and Currency Fees \| Stop Payment Fees	$34Above the typical range ($20–$30 nationally)	$8 above the national median	per item	—	Source
Account ServicesVerified
Incoming	$15Below the typical range ($30–$70 nationally)	$30 below the national median	per item	—	Source
Notary Public Fee (non-customer)	$2
Lending FeesVerified
Late Payment Fee (after 30 days)	$10Below the typical range ($15–$25 nationally)	$12 below the national median	per month	—	Source

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Headline fees published

2 of 15

Published fees

Under review

Assets

$735.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$735.9M

Total deposits

$599.1M

Service charge income

$173K

Fee income ratio

2.3%

Return on assets

1.20%

Branches

Service charge income by quarter

Q2 2026$173K

Q1 2026$163K

Q4 2025$165K

Q3 2025$170K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,469 published fee entries from 2,884 institutions

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