Lake Shore Bancorp, Inc. reports developments tied to its role as the holding company for Lake Shore Bank, a New York chartered, community-oriented bank serving Western New York through ten full-service branches. News commonly covers quarterly financial results, net interest income and margin trends, retail and commercial loan and deposit activity, dividends on common stock, and balance-sheet management.
Company updates also include capital actions related to the completed conversion of Lake Shore, MHC from mutual to stock form, the related stock offering, and the Bank's conversion from a federal savings bank to a New York chartered commercial bank.
Lake Shore Bancorp (NASDAQ: LSBK) declared a cash dividend of $0.09 per share on its outstanding common stock. The board approved the dividend on October 21, 2026. The company expects payment on November 11, 2026, to shareholders of record as of November 2, 2026.
Lake Shore Bancorp (NASDAQ: LSBK) reported third-quarter 2026 net income of $2.3 million, slightly below the year-earlier quarter. Diluted earnings were $0.31 versus $0.32. Net income fell 1.9% year over year but rose 6.5% from the second quarter. The company attributed the annual decline primarily to two nonrecurring income events in 2025.
Third-quarter net interest income rose 12.4% year over year to $7.1 million, and net interest margin reached 4.17%, versus 3.72%. A higher credit-loss provision and lower non-interest income offset those gains. Nine-month net income increased 20.1% to $6.4 million, or $0.87 per diluted share. The company repurchased 105,090 shares at an average $17.92 per share, including fees and costs. At September 30, non-performing assets represented 0.24% of assets, versus 0.23% at year-end; the Bank remained well capitalized.
Lake Shore Bancorp (NASDAQ: LSBK) announced that its Board of Directors declared a cash dividend of $0.09 per share on outstanding common stock on July 22, 2026. The dividend is expected to be paid 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 with ten full-service branches in Western New York.
Lake Shore Bancorp (NASDAQ: LSBK) reported unaudited net income of $2.2 million, or $0.29 per diluted share, for Q2 2026, up 13.2% from $1.9 million a year earlier. First-half 2026 net income rose to $4.1 million, or $0.56 per diluted share, a 37.7% increase year over year, according to the company.
Net interest income grew 12.6% year over year in the quarter and 17.0% for the first half, lifting net interest margin to 4.06% in Q2 2026 from 3.84% in Q2 2025. The efficiency ratio improved to 63.77%, annualized return on average assets reached 1.19%, and book value per share increased to $18.41 at June 30, 2026. Non-performing assets fell to 0.20% of total assets, while the bank remained "well capitalized" with a 17.43% Tier 1 leverage ratio and 24.04% total risk-based capital ratio.
Lake Shore Bancorp (NASDAQ: LSBK) reported Q1 2026 net income of $1.9 million ($0.26 diluted EPS), up 81.9% vs Q1 2025. Net interest income rose 21.9% and net interest margin improved to 4.02%. Efficiency ratio improved to 69.58% and the bank remains well capitalized.
Total assets were $722.0 million and tangible book value per share was $18.11 at March 31, 2026.
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.