Lake Shore Bancorp Q3 net income $2.4M, EPS $0.32, up 77% YoY

Lake Shore Bancorp, Inc. /MD/

2025-Q3 EPS reported $0.70

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.

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