secwatch.observer — SEC 8-K summary
======================================

Issuer:     Lake Shore Bancorp, Inc. /MD/ (LSBK)
CIK:        0002059653
Form:       8-K
Filed at:   2026-07-22T20:30:15+00:00
Accession:  0001193125-26-312448
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2059653/000119312526312448/0001193125-26-312448-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2059653/000119312526312448/lsbk-20260722.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-312448

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