secwatch.observer — SEC 8-K summary
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Issuer:     Lake Shore Bancorp, Inc. /MD/ (LSBK)
CIK:        0002059653
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0001193125-25-246825
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2059653/000119312525246825/0001193125-25-246825-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2059653/000119312525246825/lsbk-20251022.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-246825

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer