---
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"
generated_at: "2026-05-18T03:43:59.172458+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-097886
- JSON: https://secwatch.observer/filing/0000950170-25-097886.json
- Plain text: https://secwatch.observer/filing/0000950170-25-097886.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.