Lake Shore Bancorp Inc - Asset Resilience Ratio

Latest as of March 2026: 7.02%

Lake Shore Bancorp Inc (LSBK) has an Asset Resilience Ratio of 7.02% as of March 2026. 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. See Lake Shore Bancorp Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$50.68 Million

Cash + Short-term Investments

Total Assets

$722.01 Million

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2003–2025)

This chart shows how Lake Shore Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Lake Shore Bancorp Inc (LSBK) total assets.

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. Explore Lake Shore Bancorp Inc (LSBK) investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$50.68 Million	7.02%
Total Liquid Assets	$50.68 Million	7.02%

Asset Resilience Insights

Limited Liquidity: Lake Shore Bancorp Inc maintains only 7.02% 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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

Annual Asset Resilience Ratio for Lake Shore Bancorp Inc (2003–2025)

The table below shows the annual Asset Resilience Ratio data for Lake Shore Bancorp Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	7.22%	$52.54 Million	$727.32 Million	-1.02pp
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	--

pp = percentage points

About Lake Shore Bancorp Inc

NASDAQ:LSBK USA Banks - Regional

Market Cap

$142.34 Million

Market Cap Rank

#18152 Global

#4249 in USA

Share Price

$18.10

Change (1 day)

+2.09%

52-Week Range

$12.52 - $18.85

All Time High

$18.85