{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-170558","form_type":"8-K","ticker":"LSBK","cik":"0002059653","company_name":"Lake Shore Bancorp, Inc. /MD/","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.453625+00:00","generated_at":"2026-05-15T04:57:06.370632+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Lake Shore Q1 net income up 82% to $1.9M; NIM expands 53 bps to 4.02%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-170558","json":"https://secwatch.observer/filing/0001193125-26-170558.json","markdown":"https://secwatch.observer/filing/0001193125-26-170558.md","text":"https://secwatch.observer/filing/0001193125-26-170558.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526170558/0001193125-26-170558-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526170558/lsbk-20260422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:57:06.370632+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":[{"claim_id":"c5ed6b2b19d6169a2350a40879abcb2ec3951837","claim":"Lake Shore Bancorp, Inc. /MD/ reported the first quarter of 2026 results: net income $1.9 million, EPS $0.26 per diluted share.","evidence_excerpt":"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","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526170558/0001193125-26-170558-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"$1.9 million"},{"label":"EPS","value":"$0.26 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}