Lake Shore Bancorp, INC. /Md/ (LSBK) — SEC Filings

Q: What are the key financial highlights for Lake Shore Bancorp, INC. /Md/?

Key financial highlights for Lake Shore Bancorp, INC. /Md/ are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Lake Shore Bancorp, INC. /Md/?

Key executives at Lake Shore Bancorp, INC. /Md/ are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Lake Shore Bancorp, INC. /Md/ stock?

Risk factors for Lake Shore Bancorp, INC. /Md/ (LSBK) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Lake Shore Bancorp, INC. /Md/?

Forward-looking statements and predictions from Lake Shore Bancorp, INC. /Md/ are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Lake Shore Bancorp, INC. /Md/. Recent 3 filing on Mar 24, 2026. AI-decoded analysis of earnings, risk factors, and insider trades.

View Lake Shore Bancorp, INC. /Md/ on SEC EDGAR

Overview

Lake Shore Bancorp, INC. /Md/ (LSBK) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 3 filed on Mar 24, 2026: This filing, a Form 3, indicates that Dennis Pollack has become an insider at Lake Shore Bancorp, Inc. /MD/ as of March 17, 2026. A Form 3 is an initial statement of beneficial ownership, meaning Pollack now holds a position that requires him to disclose his ownership of the company's securities. Th

Sentiment Summary

Across 17 filings, the sentiment breakdown is: 2 bullish, 15 neutral. The dominant filing sentiment for Lake Shore Bancorp, INC. /Md/ is neutral.

Filing Type Overview

Lake Shore Bancorp, INC. /Md/ (LSBK) has filed 1 3, 2 10-Q, 11 8-K, 2 S-1/A, 1 S-1 with the SEC between Mar 2025 to Mar 2026.

Filings by Year

2026 · 2025

Recent Filings (17)

Dennis Pollack Becomes Lake Shore Bancorp Insider — 3 · Mar 24, 2026
This filing, a Form 3, indicates that Dennis Pollack has become an insider at Lake Shore Bancorp, Inc. /MD/ as of March 17, 2026. A Form 3 is an initial stateme
Lake Shore Bancorp's Net Income Soars 77% Post-Conversion — 10-Q · Nov 12, 2025 Risk: medium
Lake Shore Bancorp, Inc. (LSBK) reported a significant increase in net income for the three and nine months ended September 30, 2025, driven by higher net inter
Lake Shore Bancorp Files 8-K — 8-K · Oct 24, 2025 Risk: low
Lake Shore Bancorp, Inc. filed an 8-K on October 24, 2025, reporting an event on October 22, 2025. The filing is primarily for "Other Events" and "Financial Sta
Lake Shore Bancorp Relocates Principal Executive Offices — 8-K · Oct 23, 2025 Risk: low
On October 22, 2025, Lake Shore Bancorp, Inc. filed an 8-K report. The filing indicates a change in the company's principal executive offices, moving to 31 East
Lake Shore Bancorp Files 8-K on Financials — 8-K · Oct 22, 2025 Risk: low
Lake Shore Bancorp, Inc. filed an 8-K on October 22, 2025, reporting on its results of operations and financial condition. The filing includes financial stateme
Lake Shore Bancorp's Net Income Soars 72% Amid Strategic Reorganization — 10-Q · Aug 12, 2025 Risk: medium
Lake Shore Bancorp, Inc. (LSBK) reported a significant increase in net income for the three and six months ended June 30, 2025. Net income for the three months
Lake Shore Bancorp Files 8-K — 8-K · Jul 24, 2025 Risk: low
Lake Shore Bancorp, Inc. filed an 8-K on July 24, 2025, reporting an event on July 23, 2025. The filing pertains to "Other Events" and "Financial Statements and
Lake Shore Bancorp Files 8-K on Financials — 8-K · Jul 23, 2025 Risk: low
On July 23, 2025, Lake Shore Bancorp, Inc. filed an 8-K report. The filing primarily concerns the company's results of operations and financial condition, as we
Lake Shore Bancorp Files 8-K — 8-K · Jul 18, 2025 Risk: low
Lake Shore Bancorp, Inc. (MD) filed an 8-K on July 18, 2025, reporting on "Other Events" and "Financial Statements and Exhibits." The filing does not contain sp
Lake Shore Bancorp Files 8-K — 8-K · Jul 8, 2025 Risk: low
Lake Shore Bancorp, Inc. filed an 8-K on July 8, 2025, reporting "Other Events" and "Financial Statements and Exhibits." The filing does not contain specific de
Lake Shore Bancorp Files 8-K — 8-K · Jul 1, 2025 Risk: low
Lake Shore Bancorp, Inc. (LSBK) filed an 8-K on July 1, 2025, to report other events and financial statements. The filing does not contain specific details abou
Lake Shore Bancorp Files 8-K — 8-K · Jun 27, 2025 Risk: low
Lake Shore Bancorp, Inc. filed an 8-K on June 27, 2025, reporting "Other Events" and "Financial Statements and Exhibits." The filing does not contain specific d
Lake Shore Bancorp Files 8-K — 8-K · May 23, 2025 Risk: low
Lake Shore Bancorp, Inc. filed an 8-K on May 23, 2025, reporting other events and financial statements. The company, incorporated in Maryland with its principal
Lake Shore Bancorp Files 8-K on Material Agreement — 8-K · May 20, 2025 Risk: medium
Lake Shore Bancorp, Inc. (LSBK) filed an 8-K on May 20, 2025, reporting a material definitive agreement entered into on May 14, 2025. The filing also includes f
Lake Shore Bancorp Files S-1/A Amendment — S-1/A · May 9, 2025 Risk: medium
Lake Shore Bancorp, Inc. filed a Pre-Effective Amendment No. 2 to its Form S-1 Registration Statement on May 9, 2025. This filing, under registration number 333
Lake Shore Bancorp Files S-1/A Amendment — S-1/A · Apr 29, 2025 Risk: medium
Lake Shore Bancorp, Inc. filed a Pre-Effective Amendment No. 1 to its Form S-1 Registration Statement on April 29, 2025. The filing, with registration number 33
Lake Shore Bancorp Files S-1 for Public Offering — S-1 · Mar 14, 2025 Risk: medium
Lake Shore Bancorp, Inc. filed an S-1 registration statement on March 14, 2025, for a proposed public offering of its securities. The company, headquartered in

Risk Profile

Risk Assessment: Of LSBK's 16 recent filings, 0 were flagged as high-risk, 6 as medium-risk, and 10 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Lake Shore Bancorp, INC. /Md/'s most recent 10-Q filing (Nov 12, 2025):

Net Income: $5.335M
EPS: $0.32
Total Assets: $742.802M

Key Executives

Kim C. Liddell
Benjamin M. Azoff
Edward Olifer
Benjamin M. Azoff, Esq.
Edward Olifer, Esq.

Industry Context

Lake Shore Bancorp, Inc. operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is highly competitive, with consolidation trends and increasing pressure from larger financial institutions and fintech companies. Key trends include digital transformation, evolving customer expectations for seamless online services, and a dynamic interest rate environment impacting net interest margins.

Top Tags

sec-filing (5) · 8-K (4) · 8-k (4) · filing (3) · Regional Banking (2) · financial-reporting (2) · financial-statements (2) · financials (2) · registration (2) · ipo (2)

Key Numbers

Net Income (Q3 2025): $2.359M — Increased 77.1% from $1.332M in Q3 2024
Net Income (YTD Q3 2025): $5.335M — Increased 54.1% from $3.462M in YTD Q3 2024
Total Assets: $742.802M — Increased from $685.504M at Dec 31, 2024
Total Stockholders' Equity: $139.306M — Increased from $89.868M at Dec 31, 2024, post-conversion
Interest Earning Deposits: $80.342M — Increased from $30.421M at Dec 31, 2024
Loans Receivable, net: $552.611M — Increased from $544.620M at Dec 31, 2024
Basic and diluted EPS (Q3 2025): $0.32 — Increased from $0.18 in Q3 2024
Dividends declared per share (Q3 2025): $0.09 — Decreased from $0.13 in Q3 2024
Proceeds from common stock sale: $43.241M — Net of offering costs and ESOP purchase, from Second-step conversion
Credit to Provision for Credit Losses (Q3 2025): $(269)K — Compared to $(229)K in Q3 2024, indicating improved credit quality or revised methodology impact
Commission File Number: 001-42754 — Identifies the company's SEC filing history
IRS Employer Identification No.: 39-3058424 — Company's tax identification number
ZIP Code: 14048 — New principal executive office ZIP code
SEC File Number: 001-42754 — Identifies the company's filing with the SEC.
Net Income (Q2 2025): $1.919M — Up 71.95% from $1.116M in Q2 2024

Frequently Asked Questions

What are the latest SEC filings for Lake Shore Bancorp, INC. /Md/ (LSBK)?

Lake Shore Bancorp, INC. /Md/ has 17 recent SEC filings from Mar 2025 to Mar 2026, including 11 8-K, 2 10-Q, 2 S-1/A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of LSBK filings?

Across 17 filings, the sentiment breakdown is: 2 bullish, 15 neutral. The dominant sentiment is neutral.

Where can I find Lake Shore Bancorp, INC. /Md/ SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Lake Shore Bancorp, INC. /Md/ (LSBK) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Lake Shore Bancorp, INC. /Md/?

Key financial highlights from Lake Shore Bancorp, INC. /Md/'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for LSBK?

The investment thesis for LSBK includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Lake Shore Bancorp, INC. /Md/?

Key executives identified across Lake Shore Bancorp, INC. /Md/'s filings include Kim C. Liddell, Benjamin M. Azoff, Edward Olifer, Benjamin M. Azoff, Esq., Edward Olifer, Esq..

What are the main risk factors for Lake Shore Bancorp, INC. /Md/ stock?

Of LSBK's 16 assessed filings, 0 were flagged high-risk, 6 medium-risk, and 10 low-risk.

What are recent predictions and forward guidance from Lake Shore Bancorp, INC. /Md/?

Forward guidance and predictions for Lake Shore Bancorp, INC. /Md/ are extracted from SEC filings as they are enriched.