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

Rhea-AI Filing Summary

Lake Shore Bancorp, Inc. announced that its Board of Directors declared a cash dividend of $0.09 per share on the company’s outstanding common stock. The dividend is expected to be paid on February 11, 2026 to stockholders who are on record as of February 2, 2026. This action reflects a decision by the Board to return cash to shareholders in the form of a regular cash dividend.

0002059653false00020596532026-01-212026-01-21

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): January 21, 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 January 21, 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 February 11, 2026 to stockholders of record as of February 2, 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 January 23, 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:	January 23, 2026	By:	/s/ Taylor M. Gilden
			Taylor M. Gilden, Chief Financial Officer and Treasurer

FAQ

What did Lake Shore Bancorp, Inc. (LSBK) announce in this 8-K?

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

What is the dividend amount per share for Lake Shore Bancorp, Inc. (LSBK)?

The Board declared a cash dividend of $0.09 per share on Lake Shore Bancorp, Inc.’s outstanding common stock.

When will Lake Shore Bancorp, Inc. (LSBK) pay the declared dividend?

The dividend is expected to be paid on February 11, 2026 to eligible stockholders.

What is the record date for Lake Shore Bancorp, Inc.’s $0.09 dividend?

Stockholders of record as of February 2, 2026 will be entitled to receive the $0.09 per share cash dividend.

Which class of Lake Shore Bancorp, Inc. (LSBK) shares receives the dividend?

The common stock, par value $0.01 per share, of Lake Shore Bancorp, Inc. is entitled to the $0.09 per share cash dividend.

Where can investors find more details about the Lake Shore Bancorp, Inc. dividend announcement?

Additional details are provided in a press release dated January 23, 2026, which is attached as Exhibit 99.1 to the report.