---
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"
generated_at: "2026-07-22T20:31:30.785129+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-312448
- JSON: https://secwatch.observer/filing/0001193125-26-312448.json
- Plain text: https://secwatch.observer/filing/0001193125-26-312448.txt

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