Lake Shore Bancorp Inc - Asset Resilience Ratio
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. Check how strategically is Lake Shore Bancorp Inc's equity deployed to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2003–2025)
This chart shows how Lake Shore Bancorp Inc's Asset Resilience Ratio has changed over time. See net asset quality index of Lake Shore Bancorp Inc to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see Lake Shore Bancorp Inc (LSBK) total market value.
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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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 | -- |
About 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