Welcome to our dedicated page for Lake Shore Bncop news (Ticker: LSBK), a resource for investors and traders seeking the latest updates and insights on Lake Shore Bncop stock.
Lake Shore Bancorp, Inc. (NASDAQ: LSBK) is the holding company for Lake Shore Bank, a New York-chartered, community-oriented financial institution headquartered in Dunkirk, New York. News about LSBK often reflects its role in the savings institutions segment of the finance and insurance sector and its focus on serving Western New York through ten full-service branch locations in Chautauqua and Erie counties.
The LSBK news feed features company-issued press releases and related disclosures that highlight key developments in its banking operations and corporate structure. Regular earnings announcements discuss net income, net interest income, net interest margin, non-interest income, non-interest expense, and credit quality, providing insight into how the bank manages deposits, loans, and funding sources. These releases often explain changes in interest income and interest expense, including the impact of loan yields, deposit costs, and borrowings from the Federal Home Loan Bank of New York.
Investors following Lake Shore Bancorp news will also see coverage of strategic corporate actions. In 2025, the company reported a second step conversion from a mutual holding company structure to a fully public stock holding company structure, a related stock offering, and the bank’s conversion from a federal savings bank to a New York-chartered commercial bank. Additional news items include announcements of cash dividends on common stock and the authorization of a share repurchase plan covering up to a stated percentage of outstanding shares.
This page aggregates these updates so readers can review Lake Shore Bancorp’s reported financial results, capital and funding decisions, and corporate reorganization milestones in one place. For those tracking LSBK, the news stream offers a view into how the company describes its performance, balance sheet management, and community banking activities over time.
Lake Shore Bancorp (NASDAQ: LSBK) announced a $0.09 per share cash dividend declared by its Board of Directors on January 21, 2026.
The dividend is expected to be paid on February 11, 2026 to stockholders of record as of February 2, 2026. Lake Shore Bancorp is the holding company for Lake Shore Bank, a New York‑chartered community bank headquartered in Dunkirk with ten full‑service branches across Western New York.
Lake Shore Bancorp (NASDAQ: LSBK) reported record 2025 results with net income $7.3M ($0.97 diluted) versus $4.9M ($0.65) in 2024 and Q4 2025 net income of $1.9M ($0.26) versus $1.5M ($0.19) a year earlier. Net interest margin rose to 3.73% for 2025 (3.85% in Q4). Efficiency improved to 69.21%. The company repaid $10.3M of borrowings, reduced non-performing assets to 0.23% of assets, and grew book value per share 56.4% to $18.10 at Dec 31, 2025.
Lake Shore Bancorp (NASDAQ: LSBK) announced a cash dividend of $0.09 per share declared by the Board on October 22, 2025. The dividend is expected to be paid on November 12, 2025 to shareholders of record as of November 3, 2025.
Lake Shore Bancorp is the holding company for Lake Shore Bank, a New York-chartered community bank headquartered in Dunkirk with ten full-service branches across Western New York. The release also includes customary forward-looking statement disclosures and a reminder that dividend policy may change.
Lake Shore Bancorp (NASDAQ: LSBK) reported third-quarter 2025 unaudited net income of $2.4M ($0.32 diluted) versus $1.3M ($0.18) in Q3 2024, and $5.3M ($0.70) for the first nine months of 2025 versus $3.5M ($0.46) a year earlier. Results improved from higher net interest income and non-interest income, and a narrower provision for credit losses.
Key metrics: net interest margin 3.72% (+44 bps YoY), book value per share $17.80 (+53.9% vs Dec 31, 2024), non-performing assets 0.25% of assets, Tier 1 leverage 16.34%, and repayment of $8.3M FHLBNY borrowings (outstanding $2.0M at 9/30/25).
Lake Shore Bancorp (NASDAQ: LSBK), the holding company for Lake Shore Bank, has announced a quarterly cash dividend of $0.09 per share on its outstanding common stock. The dividend will be paid on August 13, 2025, to stockholders of record as of August 4, 2025.
Lake Shore Bank operates as a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York, with ten full-service branch locations across Western New York, including four in Chautauqua County and six in Erie County. The bank provides a comprehensive range of retail and commercial lending and deposit services.
Lake Shore Bancorp (NASDAQ: LSBK) reported strong Q2 2025 financial results, with net income reaching $1.9 million ($0.34 per diluted share), a significant 72% increase from Q2 2024's $1.1 million. For H1 2025, net income totaled $3.0 million ($0.53 per diluted share), up 39.7% year-over-year.
The company successfully completed its conversion from mutual to stock form, raising $49.5 million through a stock offering at $10.00 per share. Key performance metrics showed improvement with net interest margin increasing to 3.84%, up 70 basis points year-over-year. The bank maintains a strong capital position with a Tier 1 Leverage ratio of 14.37% and reduced its reliance on wholesale funding.
Asset quality improved significantly with non-performing assets decreasing to 0.24% of total assets, down from 0.55% at year-end 2024. Book value per share increased 3.0% to $16.13 as of June 30, 2025.
Lake Shore Bancorp (NASDAQ: LSBK) has successfully completed its mutual-to-stock conversion transaction and related stock offering. The company sold 4,950,460 shares at $10.00 per share, raising gross proceeds of $49.5 million.
As part of the conversion, existing public stockholders' shares were converted at an exchange ratio of 1.3549 new shares for each old share. Following the transaction completion, Lake Shore Bancorp has approximately 7,825,877 shares outstanding. The company's stock is expected to begin trading on the Nasdaq Global Market under the symbol "LSBK" on July 21, 2025.
Lake Shore Bank has also converted from a federal savings bank to a New York chartered commercial bank, operating ten full-service branch locations across Western New York.
Lake Shore Bancorp (NASDAQ: LSBK) has announced the closing of its mutual-to-stock conversion and related stock offering, scheduled for July 18, 2025. The company will sell 4,950,460 shares at $10.00 per share, raising gross proceeds of $49.5 million.
As part of the conversion, existing public stockholders' shares will be converted at an exchange ratio of 1.3549 shares of Lake Shore Bancorp common stock for each Lake Shore Federal Bancorp share. Trading under the symbol "LSBK" on Nasdaq Global Market is expected to begin on July 21, 2025, with approximately 7,825,877 shares outstanding post-conversion.
Lake Shore Bancorp (NASDAQ: LSBK) announced that stockholders and members have approved the Amended and Restated Plan of Conversion and Reorganization at special meetings held on July 1, 2025. The plan involves two significant changes: the conversion of Lake Shore, MHC from a mutual holding company to a fully public stock holding company, and the Bank's transformation from a federal savings bank to a New York chartered commercial bank.
The transaction's completion remains subject to final regulatory approvals and customary closing conditions. Lake Shore Savings Bank, headquartered in Dunkirk, New York, currently operates ten full-service branch locations across Western New York, with four in Chautauqua County and six in Erie County.
Lake Shore Bancorp (NASDAQ: LSBK) has announced the commencement of a stock offering as part of its conversion from a mutual holding company to a stock holding company. The company is offering up to 5,750,000 shares (expandable to 6,612,500) at $10.00 per share. The Bank will convert to a New York commercial bank and be renamed Lake Shore Bank.
The offering prioritizes eligible depositors and the employee stock ownership plan, followed by residents of Chautauqua, Erie, and Cattaraugus counties, and current stockholders. A minimum of 4,250,000 shares must be sold to complete the conversion. Raymond James & Associates is acting as marketing agent for the offering, which runs from May 27 to June 24, 2025.