{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-018018","form_type":"8-K","ticker":"LSBK","cik":"0002059653","company_name":"Lake Shore Bancorp, Inc. /MD/","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.132786+00:00","generated_at":"2026-05-16T09:22:16.057436+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 reports record 2025 net income of $7.3M, EPS $0.97","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-018018","json":"https://secwatch.observer/filing/0001193125-26-018018.json","markdown":"https://secwatch.observer/filing/0001193125-26-018018.md","text":"https://secwatch.observer/filing/0001193125-26-018018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526018018/0001193125-26-018018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526018018/lsbk-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:22:16.057436+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"}