Lake Shore Bancorp, Inc. operates as a mid-tier, federally chartered savings and loan holding company of Lake Shore Savings Bank, which engages in the business of attracting deposits from the general public and using such funds to originate loans and emphasis is on the origination of loans secured by first mortgages on owner-occupied and residential real estate. The company offers various deposit products, including savings deposits, money market, interest bearing and non-interest bearing checking, health savings, retirement, time deposits and interest on lawyer accounts. Read More It also offers other types of real estate, One- to Four-Family, Home equity, construction, commercial and consumer loans. Lake Shore Bancorp was founded in 2006 and is headquartered in Dunkirk, NY.