Lake Shore Q1 net income up 82% to $1.9M; NIM expands 53 bps to 4.02%

Lake Shore Bancorp, Inc. /MD/

2026-Q1 EPS reported $0.26

Diluted EPS of $0.26 vs $0.14 in Q1 2025; net income $1.9M, up $866K YoY.
Net interest margin 4.02% (+53 bps YoY); net interest income $6.7M, up 21.9%.
Efficiency ratio improved to 69.58% from 78.82% a year ago.
Non-performing assets / total assets 0.22%; credit provision negative $113K.
Book value per share $18.11; Tier 1 leverage ratio 17.54%.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.98

Lake Shore Bancorp, Inc. /MD/ reported the first quarter of 2026 results: net income $1.9 million, EPS $0.26 per diluted share.

Period: the first quarter of 2026
Net income: $1.9 million
EPS: $0.26 per diluted share
Result: reported results

Exact text from the filing

Lake Shore Bancorp, Inc. (the "Company") (NASDAQ: LSBK), the holding company for Lake Shore Bank (the "Bank"), reported unaudited net income of $1.9 million, or $0.26 per diluted share, for the first quarter of 2026

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Source: SEC EDGAR

accession 0001193125-26-170558

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