Lake Shore Bancorp reports record 2025 net income of $7.3M, EPS $0.97

Lake Shore Bancorp, Inc. /MD/

2025-FY EPS reported $0.97

Q4 net income $1.9M ($0.26 diluted EPS), up 31.7% YoY; full-year $7.3M ($0.97 diluted EPS), up 47.4% YoY.
Net interest margin expanded to 3.73% for 2025 from 3.21% in 2024 (52 bps increase).
Efficiency ratio improved to 69.21% from 82.00% in 2024.
Book value per share rose 56.4% to $18.10; all $10.3M borrowings repaid during 2025.
Non-performing assets fell to 0.23% of total assets from 0.55% at year-end 2024.

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