Lake Shore Bancorp Q2 net income up 72% to $1.9M; completes stock offering raising $49.5M

Lake Shore Bancorp, Inc. /MD/

2025-Q2 EPS reported $0.53

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.

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