Lake Shore Bancorp declares $0.09 cash dividend

Lake Shore Bancorp, Inc. reported that its Board of Directors declared a cash dividend of $0.09 per share on outstanding common stock on April 22, 2026.

Accepted by SEC EDGAR 04/24/2026 - 04:30 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Lake Shore Bancorp, Inc. reported that its Board of Directors declared a cash dividend of $0.09 per share on outstanding common stock on April 22, 2026. The dividend is expected to be paid on May 13, 2026 to shareholders of record as of May 4, 2026.

The company describes itself as the holding company for Lake Shore Bank, a community-oriented financial institution with ten full-service branches in Western New York offering a range of retail and commercial banking services.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Cash dividend per share: $0.09 per share Dividend record date: May 4, 2026 Dividend payment date: May 13, 2026 +1 more

4 metrics

Cash dividend per share $0.09 per share Declared April 22, 2026 on outstanding common stock

Dividend record date May 4, 2026 Shareholders of record on this date receive dividend

Dividend payment date May 13, 2026 Expected payment date for $0.09 dividend

Branch locations 10 branches Full-service branches in Western New York

Key Terms

cash dividend, shareholders of record, forward-looking statements, community-oriented financial institution, +1 more

5 terms

cash dividend financial

"declared a cash dividend of $0.09 per share on its outstanding common stock"

A cash dividend is a payment made by a company to its shareholders directly in money, usually on a regular schedule. It is a way for investors to receive a portion of the company's profits, similar to earning interest or a bonus for holding the company's stock. Cash dividends provide income to shareholders and can indicate the company's financial health and stability.

shareholders of record financial

"to shareholders of record as of May 4, 2026"

Shareholders of record are the people officially listed as owners of a company's stock on a specific date. This matters because only these shareholders are entitled to receive dividends or vote at company meetings. It's like being on the official guest list for a party—you get to enjoy the perks and have a say.

forward-looking statements regulatory

"This release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995"

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

community-oriented financial institution financial

"a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York"

Nasdaq Global Market financial

"Lake Shore Bancorp’s common stock is traded on the NASDAQ Global Market as “LSBK”"

The Nasdaq Global Market is a section of the stock exchange where larger, well-established companies are listed and publicly traded. It functions like a marketplace where investors can buy and sell shares of these companies, providing them with access to capital and opportunities for growth. Its role is important because it helps investors identify and invest in reputable companies with strong financial backgrounds.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What dividend did Lake Shore Bancorp (LSBK) declare?

Lake Shore Bancorp declared a cash dividend of $0.09 per share on its outstanding common stock. The Board approved this dividend on April 22, 2026, continuing the company’s practice of returning cash to shareholders through periodic cash dividends.

When is the record date for Lake Shore Bancorp’s $0.09 dividend?

The record date for Lake Shore Bancorp’s $0.09 per-share cash dividend is May 4, 2026. Shareholders listed as of that date will be entitled to receive the dividend payment, according to the company’s announcement and accompanying current report details.

When will Lake Shore Bancorp (LSBK) pay its declared dividend?

Lake Shore Bancorp expects to pay the $0.09 per-share cash dividend on May 13, 2026. Shareholders who are on record as of May 4, 2026, will receive the payment on that scheduled dividend payment date, as outlined in the company’s announcement.

What type of institution is Lake Shore Bancorp and its bank subsidiary?

Lake Shore Bancorp is the holding company for Lake Shore Bank, a New York-chartered, community-oriented financial institution. The bank operates ten full-service branches in Western New York, offering a broad range of retail and commercial lending and deposit services.

On which exchange is Lake Shore Bancorp (LSBK) common stock traded?

Lake Shore Bancorp’s common stock trades on the Nasdaq Global Market under the symbol LSBK. The company highlights this listing alongside its identity as the holding company for Lake Shore Bank, supporting access to public equity markets for its common shares.

Where is Lake Shore Bancorp headquartered and how many branches does it operate?

Lake Shore Bancorp is headquartered in Dunkirk, New York. Its banking subsidiary, Lake Shore Bank, operates ten full-service branches in Western New York, including four in Chautauqua County and six in Erie County, serving local retail and commercial customers.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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0002059653false00020596532026-04-222026-04-22

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 22, 2026

Lake Shore Bancorp, Inc.

(Exact name of Registrant as Specified in Its Charter)

Maryland			001-42754	39-3058424
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
31 East Fourth Street
Dunkirk, New York				14048
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 716 3664070

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $0.01 per share		LSBK		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01 Other Events.

On April 22, 2026, the Board of Directors of Lake Shore Bancorp, Inc. (the "Company") declared a cash dividend of $0.09 per share on its outstanding common stock. The dividend is expected to be paid on May 13, 2026 to shareholders of record as of May 4, 2026.

A copy of the press release is attached as Exhibit 99.1 hereto.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

99.1 Press release of Lake Shore Bancorp, Inc. dated April 24, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			Lake Shore Bancorp, Inc.
Date:	April 24, 2026	By:	/s/ Taylor M. Gilden
			Taylor M. Gilden Chief Financial Officer and Treasurer

Lake Shore Bancorp, Inc. Declares Dividend

DUNKIRK, N.Y. — April 24, 2026 — Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on April 22, 2026. The dividend is expected to be paid on May 13, 2026 to shareholders of record as of May 4, 2026.

About Lake Shore

Lake Shore Bancorp is the holding company of Lake Shore Bank, a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has ten full-service branch locations in Western New York, including four in Chautauqua County and six in Erie County. The Bank offers a broad range of retail and commercial lending and deposit services. Lake Shore Bancorp’s common stock is traded on the NASDAQ Global Market as “LSBK”. Additional information about Lake Shore Bancorp is available at www.mylsbank.com.

Safe-Harbor

This release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, that are based on current expectations, estimates and projections about Lake Shore Bancorp’s and the Bank’s industry, and management’s beliefs and assumptions. Words such as anticipates, expects, intends, plans, believes, estimates and variations of such words and expressions are intended to identify forward-looking statements. Such statements reflect management’s current views of future events and operations. These forward-looking statements are based on information currently available to Lake Shore Bancorp as of the date of this release. It is important to note that these forward-looking statements are not guarantees of future performance and involve and are subject to significant risks, contingencies, and uncertainties, many of which are difficult to predict and are generally beyond our control including, but not limited to, data loss or other security breaches, including a breach of our operational or security systems, policies or procedures, including cyber-attacks on us or on our third party vendors or service providers, economic conditions, the effect of changes in monetary and fiscal policy, inflation, tariffs, unanticipated changes in our liquidity position, climate change, public health issues, geopolitical conflict, increased unemployment, deterioration in the credit quality of the loan portfolio and/or the value of the collateral securing repayment of loans, reduction in the value of investment securities, the cost and ability to attract and retain key employees, regulatory or legal developments, tax policy changes, dividend policy changes, and our ability to implement and execute our business plan and strategy and expand our operations. These factors should be considered in evaluating forward looking statements and undue reliance should not be placed on such statements, as our financial performance could differ materially due to various risks or uncertainties. We do not undertake to publicly update or revise our forward-looking statements if future changes make it clear that any projected results expressed or implied therein will not be realized.

# # # # #

Source: Lake Shore Bancorp, Inc.

Category: Financial

Investor Relations/Media Contact

Kim C. Liddell

President, CEO, and Director

Lake Shore Bancorp, Inc.

31 East Fourth Street

Dunkirk, New York 14048

(716) 366-4070 ext. 1012

Filing Exhibits & Attachments

2 documents

Press Releases

• EX-99.1 EX-99.1 12.1 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA WITH EMBEDDED LINKBASES DOCUMENT 24.4 KB