[8-K] Lake Shore Bancorp, Inc. /MD/ Reports Material Event

Rhea-AI Filing Summary

Lake Shore Bancorp, Inc. filed an 8-K announcing it issued a press release disclosing results of operations and financial condition for the quarter ended September 30, 2025, under Item 2.02.

The press release is dated October 22, 2025 and is attached as Exhibit 99.1. The company’s common stock (ticker LSBK) is listed on The Nasdaq Stock Market LLC.

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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): October 22, 2025

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 2.02 Results of Operations and Financial Condition.

Lake Shore Bancorp, Inc. (the “Company”) issued a press release on October 22, 2025 disclosing its results of operations and financial condition for the quarter ended September 30, 2025.

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 October 22, 2025

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:	October 22, 2025	By:	/s/ Taylor M. Gilden
			Taylor M. Gilden, Chief Financial Officer and Treasurer

FAQ

What did Lake Shore Bancorp (LSBK) disclose in this 8-K?

The company issued a press release with results of operations and financial condition for the quarter ended September 30, 2025, under Item 2.02.

When is the press release dated?

The press release is dated October 22, 2025.

Which exhibit contains the press release for LSBK?

Exhibit 99.1 contains the press release.

What period does the disclosure cover for LSBK?

It covers the quarter ended September 30, 2025.

What is Lake Shore Bancorp’s trading symbol and exchange?

The trading symbol is LSBK on The Nasdaq Stock Market LLC.

Which additional exhibit is referenced?

Exhibit 104 is the Cover Page Interactive Data File embedded within the Inline XBRL document.