Lake Shore Bancorp, Inc. /MD/ — Form 8-K
Filed October 21, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
Lake Shore Bancorp reported Q3 2026 net income of $2.3M ($0.31/share), flat vs Q3 2025 despite net interest income rising $786K (12.4% YoY) to $7.1M. Net interest margin expanded 45 basis points YoY to 4.17%, driven by higher loan yields (+22bp) and lower deposit costs (−37bp). The company repurchased 105,090 shares at $17.92/share ($1.9M total) in Q3 and maintains strong capital ratios (Tier 1: 17.56%, Total Risk-Based: 23.89%). Year-to-date 2026 net income was $6.4M (+20.1% vs 9M 2025), with efficiency ratio improving 431bp to 60.95%.
Why this rating
Strong NIM expansion and cost discipline offset provision headwinds; modest absolute earnings and $27.8M market cap make this moderate but not transformational.
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