Lake Shore Bancorp declares $0.09 cash dividend

Lake Shore Bancorp, Inc. declared a cash dividend of $0.09 per share on its outstanding common stock on July 22, 2026.

Rhea-AI Filing Summary

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.

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

Dividend per share: $0.09 per share Dividend record date: August 3, 2026 Dividend payment date: August 12, 2026 +1 more

4 metrics

Dividend per share $0.09 per share Cash dividend on common stock declared July 22, 2026

Dividend record date August 3, 2026 Shareholders of record on this date are entitled to the dividend

Dividend payment date August 12, 2026 Expected payment date for the $0.09 per-share dividend

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

Key Terms

record date, forward-looking statements, Private Securities Litigation Reform Act of 1995, community-oriented financial institution

4 terms

record date financial

"to shareholders of record as of August 3, 2026"

The record date is the specific day when a company determines which shareholders are eligible to receive a dividend or participate in an upcoming vote. It’s like a cutoff date; if you own the stock on that day, you get the benefits or voting rights. This date matters because it decides who qualifies for certain company benefits.

forward-looking statements regulatory

"This release contains certain forward-looking statements within the meaning"

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.

Private Securities Litigation Reform Act of 1995 regulatory

"within the meaning of the Private Securities Litigation Reform Act of 1995"

community-oriented financial institution financial

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

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 dividend was declared on July 22, 2026 and relates to all currently outstanding shares.

When will Lake Shore Bancorp (LSBK) pay the $0.09 dividend?

The $0.09 per-share dividend is expected to be paid on August 12, 2026. Eligible shareholders are those who are on the company’s records as of the stated record date.

What is the record date for Lake Shore Bancorp (LSBK) shareholders to receive the dividend?

Shareholders of Lake Shore Bancorp must be on record as of August 3, 2026 to receive the $0.09 per-share dividend. Investors holding shares after this date will not qualify for this specific payment.

What type of institution is Lake Shore Bancorp (LSBK)?

Lake Shore Bancorp is the holding company for Lake Shore Bank, a New York chartered, community-oriented financial institution. It offers a broad range of retail and commercial lending and deposit services in Western New York.

How many branches does Lake Shore Bank, part of Lake Shore Bancorp (LSBK), operate?

Lake Shore Bank operates ten full-service branch locations in Western New York. These include four branches in Chautauqua County and six branches in Erie County, serving local retail and commercial customers.

Where is Lake Shore Bancorp (LSBK) headquartered?

Lake Shore Bancorp is headquartered in Dunkirk, New York, at 31 East Fourth Street. The company oversees Lake Shore Bank’s community banking operations across its Western New York branch network.

What forward-looking statement caution does Lake Shore Bancorp (LSBK) provide?

The company includes a forward-looking statements disclaimer under the Private Securities Litigation Reform Act of 1995, noting that projections involve significant risks, contingencies, and uncertainties that could cause actual results to differ materially.

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

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Accepted by SEC EDGAR 07/24/2026 - 08:30 AM EDT Learn about SEC filing dates

0002059653false00020596532026-07-222026-07-22

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): July 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 July 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 August 12, 2026 to shareholders of record as of August 3, 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 July 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:	July 24, 2026	By:	/s/ Taylor M. Gilden
			Taylor M. Gilden Chief Financial Officer and Treasurer

Lake Shore Bancorp, Inc. Declares Dividend

DUNKIRK, N.Y. — July 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 July 22, 2026. The dividend is expected to be paid on August 12, 2026 to shareholders of record as of August 3, 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