---
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"
generated_at: "2026-05-17T02:52:00.993214+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-246825
- JSON: https://secwatch.observer/filing/0001193125-25-246825.json
- Plain text: https://secwatch.observer/filing/0001193125-25-246825.txt

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