---
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"
generated_at: "2026-05-15T04:57:06.370632+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-170558
- JSON: https://secwatch.observer/filing/0001193125-26-170558.json
- Plain text: https://secwatch.observer/filing/0001193125-26-170558.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/2059653/000119312526170558/0001193125-26-170558-index.htm

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