Lake Shore Bancorp Inc (LSBK) - Total Assets
Based on the latest financial reports, Lake Shore Bancorp Inc (LSBK) holds total assets worth $722.01 Million USD as of March 2026. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. Check Lake Shore Bancorp Inc total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Lake Shore Bancorp Inc - Total Assets Trend (2001–2025)
This chart illustrates how Lake Shore Bancorp Inc's total assets have evolved over time, based on quarterly financial data. Explore how much of Lake Shore Bancorp Inc's assets are long-term investments to see how much of total assets are deployed in long-term investments.
Lake Shore Bancorp Inc - Asset Composition Analysis
Current Asset Composition (December 2025)
Lake Shore Bancorp Inc's total assets of $722.01 Million consist of 8.8% current assets and 91.2% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 8.8% |
| Accounts Receivable | $3.01 Million | 0.4% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2001–2025)
This chart illustrates how Lake Shore Bancorp Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see Lake Shore Bancorp Inc (LSBK) market capitalisation.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Lake Shore Bancorp Inc's current assets represent 8.8% of total assets in 2025, an increase from 6.7% in 2001.
- Cash Position: Cash and equivalents constituted 8.8% of total assets in 2025, up from 6.7% in 2001.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2001.
- Asset Diversification: The largest asset category is accounts receivable at 0.4% of total assets.
Lake Shore Bancorp Inc Competitors by Total Assets
Key competitors of Lake Shore Bancorp Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
BNP Paribas SA
PA:BNP
|
France | €2.79 Trillion |
|
CIMB Group Holdings Bhd
KLSE:1023
|
Malaysia | RM778.72 Billion |
|
Hua Xia Bank Co Ltd
SHG:600015
|
China | CN¥4.88 Trillion |
|
Bank of Xi'An Co Ltd
SHG:600928
|
China | CN¥546.99 Billion |
|
Grupo Security
SN:SECURITY
|
Chile | CL$15.89 Trillion |
|
Bank Mestika Dharma Tbk
JK:BBMD
|
Indonesia | Rp16.58 Trillion |
|
Bank Multiarta Sentosa PT
JK:MASB
|
Indonesia | Rp34.10 Trillion |
|
Bank Ochrony Środowiska SA
WAR:BOS
|
Poland | zł25.72 Billion |
Lake Shore Bancorp Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.01 | 0.15 | 0.08 |
| Quick Ratio | 0.01 | 0.15 | 0.17 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-560.67 Million | $-497.49 Million | $-537.82 Million |
Lake Shore Bancorp Inc - Advanced Valuation Insights
This section examines the relationship between Lake Shore Bancorp Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.89 |
| Latest Market Cap to Assets Ratio | 0.18 |
| Asset Growth Rate (YoY) | 6.1% |
| Total Assets | $727.32 Million |
| Market Capitalization | $127.38 Million USD |
Valuation Analysis
Below Book Valuation: The market values Lake Shore Bancorp Inc's assets below their book value (0.18x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Lake Shore Bancorp Inc's assets grew by 6.1% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Lake Shore Bancorp Inc (2001–2025)
The table below shows the annual total assets of Lake Shore Bancorp Inc from 2001 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $727.32 Million | +6.10% |
| 2024-12-31 | $685.50 Million | -5.46% |
| 2023-12-31 | $725.12 Million | +3.60% |
| 2022-12-31 | $699.91 Million | -1.94% |
| 2021-12-31 | $713.74 Million | +4.01% |
| 2020-12-31 | $686.20 Million | +12.33% |
| 2019-12-31 | $610.87 Million | +11.94% |
| 2018-12-31 | $545.71 Million | +5.15% |
| 2017-12-31 | $518.98 Million | +6.09% |
| 2016-12-31 | $489.17 Million | +3.34% |
| 2015-12-31 | $473.38 Million | -2.89% |
| 2014-12-31 | $487.47 Million | +1.10% |
| 2013-12-31 | $482.17 Million | -0.05% |
| 2012-12-31 | $482.39 Million | -1.27% |
| 2011-12-31 | $488.60 Million | +1.99% |
| 2010-12-31 | $479.05 Million | +12.54% |
| 2009-12-31 | $425.66 Million | +4.37% |
| 2008-12-31 | $407.83 Million | +13.98% |
| 2007-12-31 | $357.80 Million | +1.01% |
| 2006-12-31 | $354.24 Million | +6.15% |
| 2005-12-31 | $333.72 Million | +1.18% |
| 2004-12-31 | $329.84 Million | +8.68% |
| 2003-12-31 | $303.51 Million | +27.50% |
| 2002-12-31 | $238.06 Million | +11.20% |
| 2001-12-31 | $214.09 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