Lake Shore Bancorp, Inc. /MD/ — Form 8-K
Filed July 22, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Lake Shore Bancorp reported Q2 2026 net income of $2.2 million ($0.29 per diluted share), up $254,000 (13.2%) from Q2 2025's $1.9 million ($0.25 per share). Net interest income increased $771,000 (12.6%) to $6.9 million; net interest margin expanded 22 basis points to 4.06% versus prior year. YTD H1 2026 net income was $4.1 million ($0.56 per share), up 37.7% from H1 2025's $3.0 million ($0.39 per share).
Why this rating
Solid earnings growth and margin expansion are positive, but company is very small ($27.8M market cap). $2.2M quarterly profit is material to operations but routine for a bank; no major events or structural changes disclosed.
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