Lake Shore Bancorp Inc
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such… Read more
Lake Shore Bancorp Inc - Asset Resilience Ratio
Lake Shore Bancorp Inc (LSBK) has an Asset Resilience Ratio of 6.42% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2003–2024)
This chart shows how Lake Shore Bancorp Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Lake Shore Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $47.69 Million | 6.42% |
| Total Liquid Assets | $47.69 Million | 6.42% |
Asset Resilience Insights
- Limited Liquidity: Lake Shore Bancorp Inc maintains only 6.42% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Lake Shore Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Lake Shore Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Lake Shore Bancorp Inc (2003–2024)
The table below shows the annual Asset Resilience Ratio data for Lake Shore Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 8.24% | $56.49 Million | $685.50 Million | -0.09pp |
| 2023-12-31 | 8.34% | $60.44 Million | $725.12 Million | -2.10pp |
| 2022-12-31 | 10.44% | $73.05 Million | $699.91 Million | -2.00pp |
| 2021-12-31 | 12.44% | $88.80 Million | $713.74 Million | +0.89pp |
| 2020-12-31 | 11.55% | $79.23 Million | $686.20 Million | -0.11pp |
| 2019-12-31 | 11.66% | $71.20 Million | $610.87 Million | -4.14pp |
| 2018-12-31 | 15.79% | $86.19 Million | $545.71 Million | +0.30pp |
| 2017-12-31 | 15.50% | $80.42 Million | $518.98 Million | -2.15pp |
| 2016-12-31 | 17.65% | $86.33 Million | $489.17 Million | -6.27pp |
| 2015-12-31 | 23.92% | $113.21 Million | $473.38 Million | -4.44pp |
| 2014-12-31 | 28.35% | $138.20 Million | $487.47 Million | -4.41pp |
| 2013-12-31 | 32.76% | $157.96 Million | $482.17 Million | -0.28pp |
| 2012-12-31 | 33.04% | $159.37 Million | $482.39 Million | -0.56pp |
| 2011-12-31 | 33.60% | $164.16 Million | $488.60 Million | +1.47pp |
| 2010-12-31 | 32.13% | $153.92 Million | $479.05 Million | +32.18pp |
| 2009-12-31 | -0.05% | $-217.00K | $425.66 Million | -27.72pp |
| 2008-12-31 | 27.67% | $112.86 Million | $407.83 Million | -1.93pp |
| 2007-12-31 | 29.60% | $105.92 Million | $357.80 Million | -0.89pp |
| 2006-12-31 | 30.49% | $108.02 Million | $354.24 Million | +2.30pp |
| 2005-12-31 | 28.19% | $94.08 Million | $333.72 Million | +26.87pp |
| 2004-12-31 | 1.33% | $4.37 Million | $329.84 Million | -1.56pp |
| 2003-12-31 | 2.89% | $8.77 Million | $303.51 Million | -- |