Find places deep water comes close to the bank. A steep drop with stumps on it. A Main lake point that drops pretty quickly into deep water. There are a lot of places on Lakes that you can reach the fish from the bank. THE BIG problem is usually getting to the place on the bank.
Fish the main lake body and the first points projecting into the main lake and up to the secondary points in bays or arms as long as there is easy access to deeper water fast. Then add in wood or other structure and maybe weeds. Some places will hold fish all day...others they will use the spot to push baitfish up to feed on so they will only be there part of the day. Late evening many times.
Course some lakes are really shallow without a lot of defining contour. Then I would look for shade and grass and wood cover, pads etc.
In some streams and rivers they hang out around the bluffs with the slower deeper pools that have structure in them.
If you look at an impoundment map and follow the old main and secondary creek channels. They are using the same places they used before it was dammed. When it was still just a creek or river.
Right place....right time...