{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-246825","form_type":"8-K","ticker":"LSBK","cik":"0002059653","company_name":"Lake Shore Bancorp, Inc. /MD/","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.493569+00:00","generated_at":"2026-05-17T02:52:00.993214+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lake Shore Bancorp Q3 net income $2.4M, EPS $0.32, up 77% YoY","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-246825","json":"https://secwatch.observer/filing/0001193125-25-246825.json","markdown":"https://secwatch.observer/filing/0001193125-25-246825.md","text":"https://secwatch.observer/filing/0001193125-25-246825.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2059653/000119312525246825/0001193125-25-246825-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2059653/000119312525246825/lsbk-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:52:00.993214+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"}