{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-097886","form_type":"8-K","ticker":"LSBK","cik":"0002059653","company_name":"Lake Shore Bancorp, Inc. /MD/","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.923414+00:00","generated_at":"2026-05-18T03:43:59.172458+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Lake Shore Bancorp Q2 net income up 72% to $1.9M; completes stock offering raising $49.5M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-097886","json":"https://secwatch.observer/filing/0000950170-25-097886.json","markdown":"https://secwatch.observer/filing/0000950170-25-097886.md","text":"https://secwatch.observer/filing/0000950170-25-097886.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2059653/000095017025097886/0000950170-25-097886-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2059653/000095017025097886/lsbk-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:43:59.172458+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}