{"filings":[{"id":555277,"accession_number":"0001193125-26-232690","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-05-20T20:30:16+00:00","items":["5.07","9.01"],"status":"ready","headline":"Lake Shore Bancorp annual meeting elects three Class Three directors, approves say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Michelle M. DeBergalis, Jack L. Mehltretter, Dennis S. Pollack elected as Class Three directors for terms expiring 2029.","Advisory vote on executive compensation approved with 3,988,849 for, 486,649 against, 338,213 abstained.","Shareholders chose a one-year frequency for future say-on-pay votes, consistent with board recommendation.","Ratification of Yount, Hyde & Barbour, P.C. as independent auditor for FY 2026 approved with 5,895,190 votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":536758,"accession_number":"0001193125-26-231802","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-05-20T12:30:19+00:00","items":["7.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp holds annual meeting; no new material disclosures","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Annual shareholders' meeting held May 20, 2026; management presentation furnished.","Presentation slide shows only meeting title and date; no financial data or guidance.","No changes to dividend, earnings, or leadership announced in the filing.","Filing is routine; no material events reported that would affect investors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97507,"accession_number":"0001193125-26-177398","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp declares $0.09/share dividend payable May 13","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.09 per share cash dividend on common stock on April 22, 2026.","Dividend payable May 13, 2026 to shareholders of record as of May 4, 2026.","Press release dated April 24, 2026 confirming the dividend declaration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97506,"accession_number":"0001193125-26-170558","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lake Shore Q1 net income up 82% to $1.9M; NIM expands 53 bps to 4.02%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.26 vs $0.14 in Q1 2025; net income $1.9M, up $866K YoY.","Net interest margin 4.02% (+53 bps YoY); net interest income $6.7M, up 21.9%.","Efficiency ratio improved to 69.58% from 78.82% a year ago.","Non-performing assets / total assets 0.22%; credit provision negative $113K.","Book value per share $18.11; Tier 1 leverage ratio 17.54%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112358,"accession_number":"0001193125-26-114148","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-03-18T23:59:59+00:00","items":["1.01","5.02","5.03","8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp appoints Dennis Pollack to board under standstill pact with Stilwell Group","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Standstill agreement with Stilwell Group runs through 2029 Annual Meeting; Stilwell withdrew director nomination and business proposal.","Dennis Pollack appointed to boards of Lake Shore Bancorp and Lake Shore Bank, effective March 17, 2026.","Company amended bylaws to allow two-thirds board vote to waive director qualifications, used to appoint Pollack.","Stilwell Group and Pollack bound by standstill restrictions: no additional share purchases, proxy contests, or change-of-control actions.","Pollack receives standard non-employee director compensation and equity grants starting 2027; Stilwell reimburses his travel."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112357,"accession_number":"0001193125-26-021063","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-01-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp declares $0.09/share cash dividend, payable Feb 11, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a cash dividend of $0.09 per common share on January 21, 2026.","Dividend payable February 11, 2026 to stockholders of record as of February 2, 2026.","Ticker LSBK on Nasdaq; holding company for Lake Shore Bank.","No prior dividend amount disclosed for comparison; assumed ordinary-course quarterly."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112356,"accession_number":"0001193125-26-018018","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lake Shore Bancorp reports record 2025 net income of $7.3M, EPS $0.97","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $1.9M ($0.26 diluted EPS), up 31.7% YoY; full-year $7.3M ($0.97 diluted EPS), up 47.4% YoY.","Net interest margin expanded to 3.73% for 2025 from 3.21% in 2024 (52 bps increase).","Efficiency ratio improved to 69.21% from 82.00% in 2024.","Book value per share rose 56.4% to $18.10; all $10.3M borrowings repaid during 2025.","Non-performing assets fell to 0.23% of total assets from 0.55% at year-end 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.97,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128947,"accession_number":"0001193125-25-249423","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-10-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp declares $0.09 per share cash dividend, payable Nov 12, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.09 per share declared on October 22, 2025.","Payable on November 12, 2025 to stockholders of record as of November 3, 2025.","No change in dividend rate from previous quarter indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128946,"accession_number":"0001193125-25-248738","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Lake Shore Bancorp announces stock repurchase plan for up to 5% of outstanding shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 5% of outstanding common stock.","Repurchases expected to begin after July 20, 2026 (one year post-second-step conversion).","Shares may be bought in open market, private transactions, or under Rule 10b5-1 plans.","Program has no expiration date; may be suspended, terminated, or modified anytime.","No obligation to repurchase any specific number of shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128945,"accession_number":"0001193125-25-246825","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lake Shore Bancorp Q3 net income $2.4M, EPS $0.32, up 77% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $2.4M ($0.32 diluted EPS) vs $1.3M ($0.18) in Q3 2024, increase of 77%.","Net interest margin improved to 3.72% from 3.28% YoY, an increase of 44 bps.","Book value per share rose 54% to $17.80 from $11.57 at Dec 31, 2024.","Non-performing assets declined to 0.25% of total assets from 0.55% at year-end 2024.","Repaid $8.3M of FHLBNY borrowings in 9 months; only $2.0M outstanding as of Sept 30, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145687,"accession_number":"0000950170-25-098325","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp declares $0.09 per share cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.09 per share declared on July 23, 2025.","Payable on August 13, 2025 to stockholders of record as of August 4, 2025.","Lake Shore Bancorp (LSBK) is the holding company for Lake Shore Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145686,"accession_number":"0000950170-25-097886","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Lake Shore Bancorp Q2 net income up 72% to $1.9M; completes stock offering raising $49.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.9M ($0.34 diluted EPS) vs $1.1M ($0.19) in Q2 2024; net interest income up 17.6%.","Net interest margin expanded to 3.84% from 3.14% in Q2 2024; reduced wholesale borrowings by $8.3M.","Completed mutual-to-stock conversion; sold 4,950,460 shares at $10.00, gross proceeds $49.5M.","Non-performing assets fell to 0.24% of total assets from 0.55% at Dec 2024, a 53.3% decline.","Book value per share rose to $16.13 from $15.67 at Dec 2024; bank remains well capitalized."],"consensus_eps_estimate":null,"consensus_eps_actual":0.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145685,"accession_number":"0000950170-25-096983","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-07-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp closes conversion, raises $49.5M in stock offering","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 4,950,460 shares at $10.00 per share for gross proceeds of $49.5M.","Existing public shareholders received 1.3549 new shares per old share; cash for fractional shares.","Approximately 7,825,877 shares outstanding after conversion.","Common stock to begin trading on Nasdaq under symbol LSBK on July 21, 2025.","Bank converted from federal savings to New York chartered commercial bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145684,"accession_number":"0000950170-25-094573","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-07-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp conversion closing July 18; $49.5M stock offering","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Conversion of MHC to stock form and related stock offering to close July 18, 2025.","Subscription offering of 4,950,460 shares at $10.00/share for $49.5 million gross proceeds.","Existing public stockholders get exchange ratio of 1.3549 shares of new common for each old share.","New common stock expected to begin trading on Nasdaq under LSBK on July 21, 2025.","Total shares outstanding expected to be ~7,825,877 after conversion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145683,"accession_number":"0000950170-25-092174","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-07-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"LSBK stockholders approve conversion to stock holding company and bank charter change","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders and members approved Amended and Restated Plan of Conversion and Reorganization on July 1, 2025.","Lake Shore, MHC will convert from mutual holding company to fully public stock holding company form.","Lake Shore Savings Bank will convert from a federal savings bank to a New York chartered commercial bank.","Closing remains subject to receipt of final regulatory approvals and customary conditions.","Shares offered in the stock offering are not savings accounts or FDIC-insured."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164061,"accession_number":"0000950170-25-090861","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-06-27T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp conversion to stock holding company advances; S-1 effective May 14, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Registrant will become stock holding company for Lake Shore Bank via second-step conversion from mutual structure.","S-1 registration declared effective by SEC on May 14, 2025; shares to be offered to depositors and public.","Shares also issued in exchange for outstanding Lake Shore Federal Bancorp shares held by non-MHC holders.","Quarterly report for quarter ended March 31, 2025, of Lake Shore Federal Bancorp incorporated by reference."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164060,"accession_number":"0000943374-25-000234","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-05-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp commences stock offering at $10/share; up to 5.75M shares in mutual holding company conversion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Maximum of 5,750,000 shares (up to 6,612,500 with over-allotment) offered at $10.00 per share.","Minimum 4,250,000 shares must be sold to complete conversion; subscription offering runs May 27–June 24, 2025.","Shares offered first to eligible depositors and ESOP, then to community and public stockholders of LSBK.","Conversion will change Bank charter to New York commercial bank and rename it Lake Shore Bank.","Raymond James & Associates is marketing agent; completion requires regulatory and stockholder approvals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164059,"accession_number":"0001193125-25-123195","cik":2059653,"company_name":"Lake Shore Bancorp, Inc. /MD/","ticker":"LSBK","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Lake Shore Bancorp engages Raymond James for stock conversion; success fee 1.35%, syndicated fee 6%","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Raymond James to market common stock in MHC conversion; S-1 effective May 14, 2025.","Success fee: 1.35% of aggregate shares sold in subscription & community offerings, excluding insider purchases.","Syndicated community offering fee: 6%; plus $30,000 records agent fee and expense reimbursements.","Agency Agreement governs marketing services; no fee payable on insider/employee shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":120732559.99287179,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}