Lake Shore Bancorp, Inc. /MD/ (LSBK) Form 8-K — Oct 21, 2026
Lake Shore Bancorp (NASDAQ: LSBK) reported Q3 2026 unaudited net income of $2.3 million, or $0.31 per diluted share, versus $2.4 million, or $0.32, in Q3 2025. The modest YoY decline was driven by two one-time non-interest income items in the year-ago quarter, including a bank-owned life insurance death benefit. Nine-month net income rose 20.1% to $6.4 million ($0.87 per diluted share) on a 15.3% increase in net interest income. Net interest margin expanded to 4.17% from 3.72% a year earlier, and the efficiency ratio improved to 60.95% from 65.26%.
Key figures
- Eps
- 0.31
- Revenue
- 9634000
- Net Income
- 2314000
- Total Debt
- 0
- Total Assets
- 734244000
- Cash Position
- 57687000
- Shares Outstanding
- 7779898
- Total deposits
- $580.3 million
- Q3 2025 net income
- $2.4 million
- Nine month eps 2025
- $0.70
- Nine month eps 2026
- $0.87
- Q3 2025 diluted eps
- $0.32
- Q3 2026 diluted eps
- $0.31
- Stockholders equity
- $141.6 million
- Avg repurchase price
- $17.92 per share
- Book value per share
- $18.20
- Net loans receivable
- $574.1 million
- Qoq net income change
- +6.5%
- Shares repurchased q3
- 105090
- Yoy net income change
- -1.9%
- Net interest income q3
- $7.1 million
- Efficiency ratio q3 2026
- 60.95%
- Tier1 leverage ratio bank
- 17.56%
- Nine month net income 2025
- $5.3 million
- Nine month net income 2026
- $6.4 million
- Net interest margin q2 2026
- 4.06%
- Net interest margin q3 2025
- 3.72%
- Net interest margin q3 2026
- 4.17%
- Return on avg assets q3 2026
- 1.25%
- Provision for credit losses q3
- $290,000
- Non performing assets pct assets
- 0.24%
- Allowance for credit losses loans
- $5.3 million
- Total risk based capital ratio bank
- 23.89%
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