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%.
Key figures
- Eps
- 0.31
- Revenue
- $9.6 million
- Roaa q3
- 1.25%
- Npa ratio
- 0.24%
- Total assets
- 734244000
- Net income 9m
- 6409000
- Net income q3
- 2314000
- Total deposits
- 580345000
- Net income 9m yoy
- 20.1%
- Net income q3 yoy
- -1.9%
- Efficiency ratio q3
- 60.95%
- Avg repurchase price
- 17.92
- Book value per share
- 18.2
- Shares repurchased q3
- 105090
- Net interest income q3
- 7141000
- Net interest margin q3
- 4.17%
- Tier1 leverage ratio bank
- 17.56%
- Total risk based capital ratio bank
- 23.89%
AI analysis
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