Lake Shore Bancorp Q3 EPS $0.31 vs $0.32; net income $2.3M, NIM 4.17%

Lake Shore Bancorp, Inc. /MD/

Q3 2026 net income $2.3M, or $0.31 per diluted share, versus $2.4M/$0.32 in Q3 2025; prior-year quarter included a one-time BOLI death benefit.
Net interest income rose 12.4% YoY to $7.1M; net interest margin 4.17% vs 3.72% a year ago and 4.06% in Q2 2026; efficiency ratio improved to 60.95%.
First nine months 2026 net income $6.4M ($0.87 per diluted share), up 20.1% from $5.3M ($0.70); nine-month net interest income $20.7M, +15.3%.
Provision for credit losses $290,000 in Q3; non-performing assets 0.24% of total assets; Tier 1 leverage 17.56% and total risk-based capital 23.89%.
Repurchased 105,090 shares at average $17.92 in Q3; book value per share $18.20 vs $18.10 at Dec 31, 2025; total assets $734.2M, deposits $580.3M.

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