Lake Shore Bancorp, Inc. /MD/ (LSBK) Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, retirement savings vehicles, fixed-term certificates of deposit, and interest on lawyer accounts. These offerings cater to individual clients, as well as small to medium-sized businesses, providing them with commercial savings, checking, and money market solutions. Its lending portfolio is equally broad, featuring commercial real estate loans, financing for commercial construction projects, and home equity loans and lines of credit. Business clients can also access various commercial loans, including installment loans, lines of credit, and other tailored commercial financing. Furthermore, the bank originates one-to-four-family residential mortgages and offers consumer credit products such as personal loans, overdraft protection lines, vehicle financing, secured and unsecured property improvement loans, and loans backed by certificates of deposit. As of February 11, 2022, Lake Shore Savings Bank operated eleven full-service branches across Western New York, with five locations situated in Chautauqua County and the remaining six in Erie County. Established in 1891, the company maintains its primary office in Dunkirk, New York, and operates as a subsidiary of Lake Shore, MHC.
Sector: Savings Institution, Federally Chartered
Industry: Banks - Regional
Lake Shore Bancorp, Inc. NASDAQ:LSBK Financial Services · Banks - Regional
Mkt Cap $146.16M
Div Yield 1.93%
AH Close $18.61 +0.00% vs close
AH Close $18.61 +0.00% vs close
Mkt Cap $146.16M
Div Yield 1.93%
All Press Release SEC Filings News
Press Release
Lake Shore Bancorp, Inc. Declares Dividend
Lake Shore Bancorp's board declared a cash dividend of $0.09 per share on common stock on October 21, 2026.
The dividend is payable November 11, 2026 to shareholders of record as of November 2, 2026.
This is a routine quarterly declaration for the small Western New York community bank holding company, with no change in policy disclosed.
• 2d ago AI analysis › Press Release ⚠ 2
Lake Shore Bancorp, Inc. Announces Third Quarter 2026 Financial Results
Lake Shore Bancorp reported Q3 2026 net income of $2.3 million, or $0.31 per diluted share, down 1.9% from $2.4 million a year earlier on two prior-year one-time non-interest income events.
Nine-month net income rose 20.1% to $6.4 million, with the net interest margin expanding 45 basis points YoY to 4.17% and the efficiency ratio improving to 60.95%.
Credit costs ticked higher with a $290,000 provision, though the Bank remains well capitalized (17.56% Tier 1 leverage) and repurchased 105,090 shares at an average $17.92 during the quarter.
• 4d ago AI analysis › SEC Filing ⚠ 4
LSBK: 10-Q · periodic report
Lake Shore Bancorp (Nasdaq: LSBK) reported Q2 2026 net income of $2.2 million, or $0.29 per diluted share, up 13.2% from $1.9 million, or $0.25, a year earlier. First-half 2026 net income rose 37.7% to $4.1 million, or $0.56 per diluted share.
Net interest income drove the improvement, up 12.6% year over year to $6.9 million in the quarter, as net interest margin expanded to 4.06% from 3.84%, helped by a 33 basis point decline in the average rate paid on interest-bearing liabilities.
Total assets grew 1.3% year to date to $736.7 million, with deposits up 0.9% to $578.2 million and stockholders' equity at $144.8 million. Credit quality improved, with non-performing assets down 11.5% to $1.5 million and a modest $119,000 quarterly provision tied to unfunded commitments.
The board declared a $0.09 per share cash dividend payable August 12, 2026, and the company began buying back stock on July 28, 2026 under its plan to repurchase up to 5% of outstanding shares adopted in October 2025.
SEC 10-Q • 2mo ago AI analysis › Press Release
Lake Shore Bancorp, Inc. Declares Dividend
Lake Shore Bancorp's Board declared a cash dividend of $0.09 per share on July 22, 2026.
The dividend is payable on August 12, 2026 to shareholders of record as of August 3, 2026.
Lake Shore Bancorp is the holding company for Lake Shore Bank, a community-oriented financial institution operating 10 branches in Western New York.
• 3mo ago AI analysis › Press Release
Lake Shore Bancorp, Inc. Announces Second Quarter 2026 Financial Results
Lake Shore Bancorp reported Q2 2026 net income of $2.2 million, or $0.29 per diluted share, representing a 13.2% increase from the prior year quarter.
Results were driven by a 22 basis point year-over-year expansion in net interest margin to 4.06% and an improved efficiency ratio of 63.77%.
Asset quality remained robust with non-performing assets decreasing to 0.20% of total assets, while book value per share grew 1.7% to $18.41.
• 3mo ago AI analysis › SEC Filing
LSBK: 8-K · proxy statement
Lake Shore Bancorp, Inc. (LSBK) reported the results of its Annual Meeting of Shareholders held on May 20, 2026. Shareholders elected Michelle M. DeBergalis, Jack L. Mehltretter, and Dennis S. Pollack to the Board of Directors for three-year terms expiring in 2029.
The shareholders also approved the advisory resolution on executive compensation and voted to hold such advisory votes annually. Additionally, shareholders ratified the appointment of Yount, Hyde & Barbour, P.C. as the independent registered public accounting firm for the fiscal year ending December 31, 2026.
SEC 8-K • 5mo ago SEC Filing
LSBK: 8-K · other
Lake Shore Bancorp, Inc. (LSBK) filed an 8-K under Item 7.01 to distribute a presentation for its annual shareholders' meeting held on May 20, 2026. The filing serves as a regulatory disclosure of the management presentation attached as Exhibit 99.1.
The presentation highlights Q1 2026 financial results, reporting net income of $1.9 million ($0.26 EPS) and a net interest margin of 4.02%. Key balance sheet metrics include $722 million in total assets, $559 million in gross loans, and $567 million in total deposits.
The company reaffirms its strong capital position with a tangible common equity ratio of 19.7% and a Tier 1 leverage ratio of 17.5%. It also notes its completion of a mutual-to-stock conversion in July 2025, which raised $49.5 million in gross proceeds.
SEC 8-K • 5mo ago SEC Filing
LSBK: 10-Q · periodic report
Lake Shore Bancorp, Inc. reported a net income of $1.923 million for the quarter ended March 31, 2026, a significant increase of 81.9% from $1.057 million in the same period of 2025. This improvement was primarily driven by a $1.2 million increase in net interest income, which rose to $6.773 million from $5.417 million in the prior year. The net interest margin improved to 4.02% from 3.49% in the prior year, reflecting better management of interest rates and a strategic focus on higher-yielding loans.
The company's total assets decreased slightly to $722.011 million from $727.323 million at the end of 2025. This decrease was primarily due to a reduction in cash and cash equivalents and securities, at fair value. Despite this, the company's stockholders' equity increased by $739,000 to $142.378 million, driven by the net income earned during the quarter.
Non-interest income decreased by $21,000 to $703,000, primarily due to the absence of a $46,000 gain on equity securities that was recognized in the prior year. Non-interest expenses increased by $245,000 to $5.123 million, mainly due to higher health insurance, taxes, and other non-salary benefits.
The company repurchased 2,102 shares of its common stock at an average price of $15.43 per share during the quarter, primarily to remit payroll taxes on behalf of employees upon vesting of restricted stock awards.
SEC 10-Q • 5mo ago AI analysis › Press Release ● Major
Lake Shore Announces First Quarter 2026 Financial Results
globenewswire.com • 6mo ago Recent SEC filings with analysis 
