Recent 8-K filings for LSBK

• July 22, 2026, 4:30 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  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%.

• 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 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 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 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 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.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.75 · Median 0.53 · Most common event other_material

6 positive 0 negative 14 neutral

source · LSBK on sec.gov