Every 10-Q that Lake Shore Bancorp, Inc. (LSBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow LSBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full LSBK filings page.
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. 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.
Lake Shore Bancorp, Inc. (LSBK) reported stronger Q3 2025 results and completed its second‑step conversion. Net income for the quarter rose to $2,359 thousand from $1,332 thousand, as net interest income improved to $6,355 thousand and the company recorded a credit to the provision for credit losses. Basic and diluted EPS were $0.32, and a $0.09 per‑share dividend was declared.
Total assets reached $742,802 thousand, driven by higher cash and interest‑earning deposits. Deposits were $590,345 thousand, while long‑term debt declined to $2,000 thousand. Stockholders’ equity increased to $139,306 thousand, reflecting the July 18, 2025 second‑step conversion and stock offering.
Through the conversion, the company sold 4,950,460 shares at $10.00 per share, raising gross proceeds of $49.5 million, with approximately $2.3 million in offering costs and a $4.0 million ESOP purchase. There were 7,825,501 shares outstanding as of November 6, 2025. The board also authorized a plan to repurchase up to 5% of outstanding shares, which may begin after July 20, 2026.
Lake Shore Bancorp reported stronger interim results with total assets of $734.8 million and cash and cash equivalents of $75.4 million. Loans net of allowance totaled $552.4 million and deposits grew to $627.5 million, reflecting higher customer balances held at the bank. Investment securities at fair value were $55.3 million with noted unrealized losses attributed to market rate movements.
Profitability improved: quarterly net income was $1.919 million versus $1.116 million a year earlier and six‑month net income was $2.975 million versus $2.130 million previously. Net interest income rose to $6.122 million for the quarter. The allowance for credit losses on loans was $5.164 million. The company completed a second‑step mutual‑to‑stock conversion and related reorganization, raising gross proceeds of $49.5 million in a subscription offering and resulting in 7,825,501 shares outstanding.