Every 8-K 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 8-K covers material events a company has to report between its quarterly 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. 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.
Lake Shore Bancorp, the holding company for Lake Shore Bank, reported unaudited Q2 2026 net income of $2.2 million, or $0.29 per diluted share, up from $1.9 million, or $0.25, in Q2 2025. For the first half of 2026, net income was $4.1 million, or $0.56 per share, compared with $3.0 million, or $0.39, a year earlier.
Net interest income rose to $6.9 million in Q2, up 12.6% year over year, with net interest margin expanding to 4.06% from 3.84%, aided by lower interest expense. Non-interest income was $749,000, slightly below the prior-year quarter, while non-interest expense increased to $4.9 million year over year but declined versus the prior quarter, improving the efficiency ratio to 63.77%.
Asset quality and capital remained strong: non-performing assets were 0.20% of total assets, and the allowance for credit losses on loans was 0.84% of loans and 331.85% of non-performing loans. Total assets were $736.7 million, deposits $578.2 million, and stockholders’ equity $144.8 million, or $18.41 book value per share. The bank is classified as well capitalized with a Tier 1 Leverage ratio of 17.43% and a Total Risk-Based Capital ratio of 24.04%, while annualized return on average assets reached 1.19% in Q2 2026.
Lake Shore Bancorp, Inc. reported the results of its Annual Meeting of Shareholders held on May 20, 2026. Shareholders elected three Class Three directors—Michelle M. DeBergalis, Jack L. Mehltretter and Dennis S. Pollack—to terms expiring in 2029, each receiving over 4.3 million votes in favor.
Investors approved, on an advisory basis, the compensation of the company’s named executive officers, with about 3.99 million votes for and 0.49 million against. Shareholders also chose to hold the advisory vote on executive compensation every one year, strongly favoring the annual option.
In addition, shareholders ratified the appointment of Yount, Hyde & Barbour, P.C. as independent registered public accounting firm for the year ending December 31, 2026, with nearly 5.9 million votes in favor. The company plans to continue including an annual say-on-pay advisory vote in future proxy materials until the next required frequency vote.
Lake Shore Bancorp, Inc. released an investor presentation for its annual shareholders’ meeting, outlining recent performance and strategic positioning. The company reported first quarter 2026 net income of $1.9 million, or $0.26 per diluted share, with a return on average assets of 1.07%.
Net interest margin was 4.02%, up 17 basis points from the prior quarter, supported by higher asset yields and lower deposit costs. Total deposits were $567 million and gross loans were $559 million, producing a loan-to-deposit ratio of 98.6%.
Asset quality metrics remained strong, with non-performing assets at 0.22% of total assets and net charge-offs at 0.01% of average loans. Capital levels were high, including a consolidated tangible common equity to tangible assets ratio of 19.7% and a bank-level Tier 1 leverage ratio of 17.5%, reflecting proceeds from the 2025 mutual-to-stock conversion.
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.
Lake Shore Bancorp, Inc. reported substantially stronger results for the first quarter of 2026, with unaudited net income of $1.9 million, or $0.26 per diluted share, up from $1.1 million, or $0.14 per share, a year earlier.
Performance benefited mainly from higher net interest income, which rose 21.9% year over year to $6.66 million as funding costs declined and net interest margin expanded to 4.02% from 3.49%. The efficiency ratio improved to 69.58% from 78.82%, while return on average assets increased to 1.07% from 0.62%.
Asset quality and capital remained strong. Non-performing assets were 0.22% of total assets, and the allowance for credit losses on loans covered more than three times non-performing loans. Total assets were $722.0 million and stockholders’ equity was $142.4 million at March 31, 2026.
Lake Shore Bancorp, Inc. entered into a standstill agreement with The Stilwell Group under which Dennis Pollack has been appointed to the Boards of the company and Lake Shore Bank. The agreement runs until the 2029 Annual Meeting of Stockholders and includes extensive standstill, voting and non‑disparagement commitments by Stilwell and Pollack. The company’s bylaws were amended so the board, by a two‑thirds vote, can waive director qualification requirements when it believes doing so is in the company’s best interest. The parties also issued a joint press release describing the appointment and their collaborative relationship.
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.
Lake Shore Bancorp, Inc. filed a current report stating that it issued a press release on January 21, 2026 to disclose its results of operations and financial condition for the fourth quarter and full year ended December 31, 2025. The filing notes that the detailed financial results are contained in the press release, which is attached as an exhibit. This is a routine update that formally makes the company’s latest quarterly and annual performance information part of the public record.
Lake Shore Bancorp, Inc. (LSBK) announced a cash dividend of $0.09 per share on its outstanding common stock. The Board declared the dividend on October 22, 2025.
The dividend is payable on November 12, 2025 to shareholders of record as of November 3, 2025. This action returns cash to shareholders via a scheduled distribution.
Lake Shore Bancorp, Inc. (LSBK) announced that its Board authorized a stock repurchase plan to buy back up to 5% of its outstanding common shares. Repurchases are expected to begin after the one-year anniversary of its recent second step conversion offering, or on July 20, 2026.
The company may repurchase shares in open market or private transactions, including under a Rule 10b5-1 trading plan. Open market purchases will follow SEC Rule 10b-18 and other legal requirements. The program has no expiration date and can be suspended, terminated, or modified at any time. The plan does not obligate the company to repurchase a specific number of shares, and there is no guarantee of the exact amount to be repurchased.
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.