{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-312448","form_type":"8-K","ticker":"LSBK","cik":"0002059653","company_name":"Lake Shore Bancorp, Inc. /MD/","filed_at":"2026-07-22T20:30:15+00:00","discovered_at":"2026-07-22T20:31:00.238900+00:00","generated_at":"2026-07-22T20:31:30.785129+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Lake Shore Bancorp Q2 2026 net income up 13% to $2.2M; NIM expands to 4.06%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-312448","json":"https://secwatch.observer/filing/0001193125-26-312448.json","markdown":"https://secwatch.observer/filing/0001193125-26-312448.md","text":"https://secwatch.observer/filing/0001193125-26-312448.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526312448/0001193125-26-312448-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2059653/000119312526312448/lsbk-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:31:30.785129+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}