secwatch.observer — SEC 8-K summary
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Issuer:     Lake Shore Bancorp, Inc. /MD/ (LSBK)
CIK:        0002059653
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0001193125-26-170558
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2059653/000119312526170558/0001193125-26-170558-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2059653/000119312526170558/lsbk-20260422.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-170558

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer