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AI brief of an SEC Form 8-K · Lake Shore Bancorp, Inc. /MD/ (LSBK)

Lake Shore Bancorp Q3 profit slips 1.9% to $2.3 million; nine-month net income up 20.1%

Mixed Impact 3 of 5 earnings Written later

Lake Shore Bancorp reported unaudited third-quarter 2026 net income of $2.3 million, or $0.31 per diluted share, down slightly from $2.4 million, or $0.32, a year earlier, as higher net interest income was offset by a higher provision for credit losses and lower non-interest income. For the first nine months of 2026, net income rose to $6.4 million, or $0.87 per diluted share, from $5.3 million, or $0.70, in 2025.

Key points

  • Q3 2026 net income $2.3 million, $0.31 per diluted share, versus $2.4 million, $0.32 per share in Q3 2025
  • Q3 net interest income rose $786,000, or 12.4%, to $7.1 million; net interest margin 4.17% versus 3.72% a year earlier
  • Nine-month 2026 net income $6.4 million, $0.87 per diluted share, versus $5.3 million, $0.70 per share in 2025
  • Repurchased 105,090 shares in Q3 2026 at an average cost of $17.92 per share; book value per share $18.20 at September 30, 2026

The filing

CompanyLake Shore Bancorp, Inc. /MD/ (LSBK)
Form8-K, current report
Filed with the SECOct 21, 2026, 4:30 PM ET
Accession number0001193125-26-427891

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:46 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 21, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.