Welcome to our dedicated page for Lake Shore Bncop SEC filings (Ticker: LSBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Lake Shore Bancorp, Inc. (LSBK) SEC filings provide detailed regulatory disclosures about the company’s operations as the holding company for Lake Shore Bank, a New York-chartered, community-oriented financial institution headquartered in Dunkirk, New York. These documents are filed with the U.S. Securities and Exchange Commission and include current reports, periodic reports, and other materials that explain the company’s financial condition and corporate actions.
Recent Form 8-K filings for Lake Shore Bancorp document material events such as quarterly earnings releases, cash dividend declarations, the adoption of a share repurchase plan, and key steps in the company’s second step conversion from a mutual holding company structure to a fully public stock holding company structure. Some filings also describe the bank’s charter conversion to a New York-chartered commercial bank and summarize stockholder and member voting results on the Plan of Conversion and Reorganization.
Through Stock Titan, this SEC filings page connects to real-time updates from the EDGAR system and pairs them with AI-generated summaries. These summaries are designed to explain the significance of each filing, such as what an earnings-related Form 8-K indicates about net interest income and capital, or how a filing about a stock repurchase authorization may affect the company’s share count. Users can also review filings that reference dividends, stock offerings, and other corporate actions.
In addition to current reports, investors may use this page to locate Lake Shore Bancorp’s periodic reports, such as annual reports on Form 10-K and quarterly reports on Form 10-Q, when available. AI assistance can help highlight key sections of these longer documents, including discussions of business strategy, risk factors, capital and funding, and credit quality, making it easier to understand the regulatory information that Lake Shore Bancorp provides.
Lake Shore Bancorp, Inc. director John P. McGrath received a grant of stock options for 8,220 shares of common stock on December 9, 2025, with an exercise price of $14.85 per share and an expiration date of December 9, 2035. The options were awarded at no cost to him and are classified as directly owned.
The stock options vest in equal installments of 20% per year starting on December 9, 2026. After this grant, McGrath beneficially owns 10,284 shares of common stock directly, including 899 restricted shares that vest on March 12, 2026, and 79,927 shares held indirectly through an IRA.
Lake Shore Bancorp, Inc. director John L. Mehltretter reported a new stock option grant on December 9, 2025. He received 5,237 stock options with a conversion or exercise price of $14.85 per share, expiring on December 9, 2035. These options vest at a rate of 20% per year starting on December 9, 2026.
After this grant, Mehltretter directly holds 18,933 shares of common stock, including 1,005 restricted shares that vest on March 12, 2026, plus an additional 20,000 shares held indirectly through an IRA. He also holds a previous stock option position for 7,468 shares at an exercise price of $7.89 per share, expiring on April 22, 2034, of which 1,493 options vested on April 23, 2025 and 5,975 remain unvested and vest in four equal annual installments beginning on April 23, 2026.
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. had a director and Chairman of the Board report a gift of 1,382 shares of common stock on December 10, 2025. The shares were moved from direct ownership to an indirect account held as custodian for grandchildren at a price of $0.00 per share, reflecting a transfer in form of ownership rather than an open-market sale.
After this transaction, the insider beneficially owns 55,538 shares directly, including 1,415 shares of restricted stock that vest on March 12, 2026, and 3,150 shares indirectly as custodian for grandchildren. The director also holds stock options covering 14,563 shares at an exercise price of $10.62 expiring on October 21, 2026, which are fully vested, and options for 2,570 shares at $7.89 expiring on April 22, 2034, with 514 already vested and the remaining 2,056 vesting in four equal annual installments beginning on April 23, 2026.
Lake Shore Bancorp, Inc. (LSBK) reported stronger Q3 2025 results and completed its second‑step conversion. Net income for the quarter rose to $2,359 thousand from $1,332 thousand, as net interest income improved to $6,355 thousand and the company recorded a credit to the provision for credit losses. Basic and diluted EPS were $0.32, and a $0.09 per‑share dividend was declared.
Total assets reached $742,802 thousand, driven by higher cash and interest‑earning deposits. Deposits were $590,345 thousand, while long‑term debt declined to $2,000 thousand. Stockholders’ equity increased to $139,306 thousand, reflecting the July 18, 2025 second‑step conversion and stock offering.
Through the conversion, the company sold 4,950,460 shares at $10.00 per share, raising gross proceeds of $49.5 million, with approximately $2.3 million in offering costs and a $4.0 million ESOP purchase. There were 7,825,501 shares outstanding as of November 6, 2025. The board also authorized a plan to repurchase up to 5% of outstanding shares, which may begin after July 20, 2026.
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.
Stilwell-affiliated investors now report a near-10% stake in Lake Shore Bancorp. The Stilwell group collectively beneficially owns 773,675 shares, equal to approximately 9.9% of the 7,825,501 shares outstanding. The filing amends a prior Schedule 13D to say that after an unproductive meeting with management the Group intends to seek board representation at the Issuer's 2026 annual meeting. Recent purchases include $73,085.60 for 5,600 shares and $383,699.40 for 29,400 shares, funded from working capital and possible margin loans. The Group states its purpose is to realize profit from stock appreciation by asserting shareholder rights and notes its activist history across 77 prior public situations.