Lake Shore Bancorp, Inc.

Lake Shore Bancorp, Inc. is a bank holding company that operates Lake Shore Bank, providing banking products and services in New York. The company offers a variety of deposit products, including regular savings accounts (such as Christmas Club and statement savings), NOW accounts, money market savings and checking accounts, interest-bearing and non-interest bearing checking accounts (demand deposits), health savings accounts, retirement accounts, time deposits, and interest on lawyer accounts. These accounts are available for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio includes commercial real estate, commercial construction, and home equity loans and lines of credit. It also provides commercial business loans, such as business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans. Consumer loans include personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, property improvement loans, and loans secured by certificates of deposit. Additionally, Lake Shore Bancorp, Inc. offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.