---
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"
generated_at: "2026-05-16T09:22:16.057436+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/2059653/000119312526018018/0001193125-26-018018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2059653/000119312526018018/lsbk-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-018018
- JSON: https://secwatch.observer/filing/0001193125-26-018018.json
- Plain text: https://secwatch.observer/filing/0001193125-26-018018.txt

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