Recent 8-K filings for LSBK

• May 20, 2026, 4:30 PM ET other materiality 0.15 neutral item 5.07item 9.01

  Lake Shore Bancorp annual meeting elects three Class Three directors, approves say-on-pay

  Michelle M. DeBergalis, Jack L. Mehltretter, Dennis S. Pollack elected as Class Three directors for terms expiring 2029.

• May 20, 2026, 8:30 AM ET other materiality 0.10 neutral item 7.01item 9.01

  Lake Shore Bancorp holds annual meeting; no new material disclosures

  Annual shareholders' meeting held May 20, 2026; management presentation furnished.

• April 24, 2026, 7:59 PM ET dividend materiality 0.50 neutral item 8.01item 9.01

  Lake Shore Bancorp declares $0.09/share dividend payable May 13

  Board declared $0.09 per share cash dividend on common stock on April 22, 2026.

• April 22, 2026, 7:59 PM ET earnings materiality 0.55 positive item 2.02item 9.01 ◈ Earnings Releases

  Lake Shore Q1 net income up 82% to $1.9M; NIM expands 53 bps to 4.02%

  Diluted EPS of $0.26 vs $0.14 in Q1 2025; net income $1.9M, up $866K YoY.

• March 18, 2026, 7:59 PM ET other material materiality 0.65 neutral item 1.01item 5.02item 5.03item 8.01item 9.01 ◈ Governance Changes◈ Material Agreements

  Lake Shore Bancorp appoints Dennis Pollack to board under standstill pact with Stilwell Group

  Standstill agreement with Stilwell Group runs through 2029 Annual Meeting; Stilwell withdrew director nomination and business proposal.

• January 23, 2026, 6:59 PM ET dividend materiality 0.50 neutral item 8.01item 9.01

  Lake Shore Bancorp declares $0.09/share cash dividend, payable Feb 11, 2026

  Board declared a cash dividend of $0.09 per common share on January 21, 2026.

• January 21, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Lake Shore Bancorp reports record 2025 net income of $7.3M, EPS $0.97

  Q4 net income $1.9M ($0.26 diluted EPS), up 31.7% YoY; full-year $7.3M ($0.97 diluted EPS), up 47.4% YoY.

• October 24, 2025, 7:59 PM ET dividend materiality 0.25 neutral item 8.01item 9.01

  Lake Shore Bancorp declares $0.09 per share cash dividend, payable Nov 12, 2025

  Dividend of $0.09 per share declared on October 22, 2025.

• October 23, 2025, 7:59 PM ET other material materiality 0.50 positive item 8.01

  Lake Shore Bancorp announces stock repurchase plan for up to 5% of outstanding shares

  Board authorized repurchase of up to 5% of outstanding common stock.

• October 22, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Lake Shore Bancorp Q3 net income $2.4M, EPS $0.32, up 77% YoY

  Net income of $2.4M ($0.32 diluted EPS) vs $1.3M ($0.18) in Q3 2024, increase of 77%.

• July 24, 2025, 7:59 PM ET dividend materiality 0.10 neutral item 8.01item 9.01

  Lake Shore Bancorp declares $0.09 per share cash dividend

  Dividend of $0.09 per share declared on July 23, 2025.

• July 23, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  Lake Shore Bancorp Q2 net income up 72% to $1.9M; completes stock offering raising $49.5M

  Net income of $1.9M ($0.34 diluted EPS) vs $1.1M ($0.19) in Q2 2024; net interest income up 17.6%.

• July 18, 2025, 7:59 PM ET other material materiality 0.60 neutral item 8.01item 9.01

  Lake Shore Bancorp closes conversion, raises $49.5M in stock offering

  Sold 4,950,460 shares at $10.00 per share for gross proceeds of $49.5M.

• July 8, 2025, 7:59 PM ET other material materiality 0.50 neutral item 8.01item 9.01

  Lake Shore Bancorp conversion closing July 18; $49.5M stock offering

  Conversion of MHC to stock form and related stock offering to close July 18, 2025.

• July 1, 2025, 7:59 PM ET other material materiality 0.65 neutral item 8.01item 9.01

  LSBK stockholders approve conversion to stock holding company and bank charter change

  Stockholders and members approved Amended and Restated Plan of Conversion and Reorganization on July 1, 2025.

• June 27, 2025, 7:59 PM ET other material materiality 0.65 neutral item 8.01item 9.01

  Lake Shore Bancorp conversion to stock holding company advances; S-1 effective May 14, 2025

  Registrant will become stock holding company for Lake Shore Bank via second-step conversion from mutual structure.

• May 23, 2025, 7:59 PM ET other material materiality 0.70 neutral item 8.01item 9.01

  Lake Shore Bancorp commences stock offering at $10/share; up to 5.75M shares in mutual holding company conversion

  Maximum of 5,750,000 shares (up to 6,612,500 with over-allotment) offered at $10.00 per share.

• May 20, 2025, 7:59 PM ET other material materiality 0.50 neutral item 1.01item 9.01

  Lake Shore Bancorp engages Raymond James for stock conversion; success fee 1.35%, syndicated fee 6%

  Raymond James to market common stock in MHC conversion; S-1 effective May 14, 2025.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.75 · Median 0.53 · Most common event other_material

5 positive 0 negative 13 neutral

source · LSBK on sec.gov