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Lake Shore Bancorp, Inc. (LSBK) director and Chairman of the Board Kevin M. Sanvidge exercised stock options for 14,563 shares of common stock on September 8, 2026 at an exercise price of $10.62 per share (rounded from $10.61392708). After the exercise, he held 71,887 common shares directly, including unvested restricted stock, and retained options on 2,570 underlying shares at an exercise price of $7.89 per share. He also reported 3,150 shares of common stock held indirectly as custodian for his grandchildren. No Rule 10b5-1 trading plan is reported.
Lake Shore Bancorp, Inc. (LSBK) executive Jeffrey M. Werdein, EVP–Commercial Division, exercised options for 23,132 shares of common stock on August 21, 2026 at an exercise price effectively rounded to $10.62 per share, fully vesting the options and leaving no options from this grant outstanding. To satisfy the option exercise price and related tax liabilities, 16,525 shares of common stock were withheld by the issuer through net settlement; the company states that no shares were sold in the open market. Following these transactions, Werdein reports indirect holdings of 20,000 shares held by an IRA, 7,782 shares held through an ESOP allocation, and 2,000 shares held by his spouse, and his direct holdings include unvested restricted stock awards of 3,025, 3,063, and 1,717 shares from prior grants; shares previously reported through his son are no longer attributed to him because he has no pecuniary interest in them.
Lake Shore Bancorp, Inc. reported improved results for the quarter ended June 30, 2026. Total assets were $736.7 million, up from $727.3 million at December 31, 2025, while total deposits rose to $578.2 million.
For the three months ended June 30, 2026, net income was $2.2 million compared with $1.9 million a year earlier, and basic and diluted earnings per share were $0.29 versus $0.25. Net interest income increased to $6.9 million from $6.1 million, with a modest provision for credit losses of $119 thousand. For the six-month period, net income was $4.1 million, up from $3.0 million, and earnings per share were $0.56 versus $0.39.
Total loans receivable, net, were $558.3 million, slightly higher than $555.4 million at year-end, and non-accrual loans declined to $1.4 million from $1.7 million. Stockholders’ equity increased to $144.8 million, and the company continued paying quarterly cash dividends of $0.09 per share, totaling $0.18 per share year-to-date.
Lake Shore Bancorp, Inc. declared a cash dividend of $0.09 per share on its 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 New York-chartered, community-oriented financial institution headquartered in Dunkirk, New York, operating ten full-service branch locations in Western New York.
Lake Shore Bancorp, the holding company for Lake Shore Bank, reported unaudited Q2 2026 net income of $2.2 million, or $0.29 per diluted share, up from $1.9 million, or $0.25, in Q2 2025. For the first half of 2026, net income was $4.1 million, or $0.56 per share, compared with $3.0 million, or $0.39, a year earlier.
Net interest income rose to $6.9 million in Q2, up 12.6% year over year, with net interest margin expanding to 4.06% from 3.84%, aided by lower interest expense. Non-interest income was $749,000, slightly below the prior-year quarter, while non-interest expense increased to $4.9 million year over year but declined versus the prior quarter, improving the efficiency ratio to 63.77%.
Asset quality and capital remained strong: non-performing assets were 0.20% of total assets, and the allowance for credit losses on loans was 0.84% of loans and 331.85% of non-performing loans. Total assets were $736.7 million, deposits $578.2 million, and stockholders’ equity $144.8 million, or $18.41 book value per share. The bank is classified as well capitalized with a Tier 1 Leverage ratio of 17.43% and a Total Risk-Based Capital ratio of 24.04%, while annualized return on average assets reached 1.19% in Q2 2026.
Lake Shore Bancorp director Sharon E. Brautigam reported an option exercise and updated holdings of the company’s common stock. She exercised stock options to acquire 1,028 shares of common stock at $7.89 per share, a routine derivative exercise rather than an open‑market purchase or sale.
Following the transaction, she directly holds 24,842 shares of common stock. This direct position includes 893 shares of unvested restricted stock scheduled to vest on December 9, 2026 and 527 shares of unvested restricted stock scheduled to vest on March 18, 2027. She also has 1,542 remaining unvested options that were granted on April 23, 2024 and are scheduled to vest in five equal annual installments beginning on the first anniversary of that grant.
In addition to her direct holdings, the filing shows indirect ownership of 20,000 shares held by an IRA and 474 shares held by her spouse. The option exercise therefore represents a relatively small change compared with the overall share positions reported.
Lake Shore Bancorp, Inc. reported the results of its Annual Meeting of Shareholders held on May 20, 2026. Shareholders elected three Class Three directors—Michelle M. DeBergalis, Jack L. Mehltretter and Dennis S. Pollack—to terms expiring in 2029, each receiving over 4.3 million votes in favor.
Investors approved, on an advisory basis, the compensation of the company’s named executive officers, with about 3.99 million votes for and 0.49 million against. Shareholders also chose to hold the advisory vote on executive compensation every one year, strongly favoring the annual option.
In addition, shareholders ratified the appointment of Yount, Hyde & Barbour, P.C. as independent registered public accounting firm for the year ending December 31, 2026, with nearly 5.9 million votes in favor. The company plans to continue including an annual say-on-pay advisory vote in future proxy materials until the next required frequency vote.
Lake Shore Bancorp, Inc. released an investor presentation for its annual shareholders’ meeting, outlining recent performance and strategic positioning. The company reported first quarter 2026 net income of $1.9 million, or $0.26 per diluted share, with a return on average assets of 1.07%.
Net interest margin was 4.02%, up 17 basis points from the prior quarter, supported by higher asset yields and lower deposit costs. Total deposits were $567 million and gross loans were $559 million, producing a loan-to-deposit ratio of 98.6%.
Asset quality metrics remained strong, with non-performing assets at 0.22% of total assets and net charge-offs at 0.01% of average loans. Capital levels were high, including a consolidated tangible common equity to tangible assets ratio of 19.7% and a bank-level Tier 1 leverage ratio of 17.5%, reflecting proceeds from the 2025 mutual-to-stock conversion.
Lake Shore Bancorp Inc ownership update: AllianceBernstein L.P. reports beneficial ownership of 448,959 shares, representing 5.7%, held for client discretionary investment accounts. The filing states AllianceBernstein has sole voting and sole dispositive power over these shares. The filing is signed 05/15/2026.
Lake Shore Bancorp, Inc. reported stronger results for the quarter ended March 31, 2026. Net income rose to $1.9 million from $1.1 million a year earlier, and basic and diluted earnings per share increased to $0.26 from $0.14.
Net interest income improved to $6.7 million from $5.5 million, while the provision for credit losses moved to a small benefit of $113,000 from an expense of $48,000. Non-interest income was broadly stable and non-interest expenses rose modestly to $5.1 million.
Total assets were $722.0 million, with loans receivable, net, at $553.9 million and deposits at $566.6 million. Asset quality remained stable, with non-accrual loans of $1.6 million and an allowance for credit losses on loans of $4.8 million. The board declared a quarterly cash dividend of $0.09 per share payable in May 2026.