Lake Shore Bancorp Inc (LSBK) — Net Asset Quality Index
Lake Shore Bancorp Inc (LSBK) has a Net Asset Quality Index of 19.5% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $727.32 Million minus total liabilities of $585.68 Million yields net assets of $141.64 Million. A higher index indicates a stronger, lower-leverage balance sheet. Check Lake Shore Bancorp Inc liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Lake Shore Bancorp Inc Net Asset Quality Index Over Time (2001–2025)
This chart shows how Lake Shore Bancorp Inc's Net Asset Quality Index has evolved across 25 annual periods from 2001 to 2025. As of December 2025, the index stands at 19.5%, representing net assets of $141.64 Million against total assets of $727.32 Million USD. See working capital to net assets of Lake Shore Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Lake Shore Bancorp Inc (2001–2025)
The table below presents the year-by-year Net Asset Quality Index for Lake Shore Bancorp Inc from 2001 to 2025, covering 25 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market value of Lake Shore Bancorp Inc.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 19.5% | $141.64 Million | $727.32 Million | $585.68 Million | ▲ +6.4 pp |
| 2024 | 13.1% | $89.87 Million | $685.50 Million | $595.64 Million | ▲ +1.2 pp |
| 2023 | 11.9% | $86.27 Million | $725.12 Million | $638.85 Million | ▲ +0.3 pp |
| 2022 | 11.6% | $81.18 Million | $699.91 Million | $618.73 Million | ▼ -0.7 pp |
| 2021 | 12.3% | $87.98 Million | $713.74 Million | $625.76 Million | ▼ -0.2 pp |
| 2020 | 12.5% | $85.92 Million | $686.20 Million | $600.28 Million | ▼ -81.8 pp |
| 2019 | 94.3% | $576.22 Million | $610.87 Million | $34.65 Million | ▲ +79.7 pp |
| 2018 | 14.6% | $79.80 Million | $545.71 Million | $465.90 Million | ▼ -0.5 pp |
| 2017 | 15.1% | $78.38 Million | $518.98 Million | $440.60 Million | ▼ -0.4 pp |
| 2016 | 15.5% | $76.03 Million | $489.17 Million | $413.14 Million | ▼ -0.1 pp |
| 2015 | 15.6% | $73.88 Million | $473.38 Million | $399.51 Million | ▲ +0.9 pp |
| 2014 | 14.7% | $71.63 Million | $487.47 Million | $415.84 Million | ▲ +1.2 pp |
| 2013 | 13.5% | $65.27 Million | $482.17 Million | $416.90 Million | ▼ -0.3 pp |
| 2012 | 13.9% | $66.98 Million | $482.39 Million | $415.40 Million | ▲ +0.8 pp |
| 2011 | 13.1% | $63.95 Million | $488.60 Million | $424.65 Million | ▲ +1.6 pp |
| 2010 | 11.5% | $55.21 Million | $479.05 Million | $423.84 Million | ▼ -1.5 pp |
| 2009 | 13.0% | $55.45 Million | $425.66 Million | $370.21 Million | ▼ -0.3 pp |
| 2008 | 13.3% | $54.23 Million | $407.83 Million | $353.61 Million | ▼ -1.6 pp |
| 2007 | 14.9% | $53.47 Million | $357.80 Million | $304.34 Million | ▼ -0.2 pp |
| 2006 | 15.2% | $53.75 Million | $354.24 Million | $300.49 Million | ▲ +6.8 pp |
| 2005 | 8.4% | $28.00 Million | $333.72 Million | $305.73 Million | ▲ +0.2 pp |
| 2004 | 8.2% | $26.91 Million | $329.84 Million | $302.93 Million | ▼ -0.1 pp |
| 2003 | 8.2% | $24.95 Million | $303.51 Million | $278.56 Million | ▼ -1.8 pp |
| 2002 | 10.1% | $23.94 Million | $238.06 Million | $214.11 Million | ▼ -0.1 pp |
| 2001 | 10.1% | $21.70 Million | $214.09 Million | $192.38 Million | — |