---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-427891"
form_type: "8-K"
ticker: "LSBK"
cik: "0002059653"
company_name: "Lake Shore Bancorp, Inc. /MD/"
filed_at: "2026-10-21T20:30:14+00:00"
generated_at: "2026-10-21T20:31:27.949511+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.42
calibrated_materiality_score: 0.42
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-26-427891
- form_type: 8-K
- ticker: LSBK
- cik: 0002059653
- company_name: Lake Shore Bancorp, Inc. /MD/
- filed_at: 2026-10-21T20:30:14+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.42
- calibrated_materiality_score: 0.42
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2059653/000119312526427891/0001193125-26-427891-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2059653/000119312526427891/lsbk-20261021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-427891
- JSON: https://secwatch.observer/filing/0001193125-26-427891.json
- Plain text: https://secwatch.observer/filing/0001193125-26-427891.txt

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