Lake Shore Bancorp Q2 2026 net income up 13% to $2.2M; NIM expands to 4.06%

Lake Shore Bancorp, Inc. /MD/

Net income $2.2M ($0.29 diluted EPS) vs $1.9M ($0.25) in Q2 2025, up 13.2%.
Net interest margin 4.06%, up 22 bps YoY; net interest income +12.6% to $6.9M.
Efficiency ratio improved to 63.77% from 66.82% YoY.
Non-performing assets / total assets 0.20%, down from 0.23% at Dec 2025.
Book value per share $18.41, up 1.7% from Dec 2025.

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