Lake Shore Bancorp, Inc. /MD/
LSBK Nasdaq Savings Institution, Federally Chartered Financials FY2024–FY2025
Last close · Oct 23, 2026
$18.61
0.5%What Lake Shore Bancorp, Inc. /MD/ does
No business description yet.
- Legal name
- Lake Shore Bancorp, Inc. /MD/
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 17, 2026
- Accession · CIK
- 0001193125-26-109481
0002059653
Revenue and margins
Lake Shore Bancorp, Inc. /MD/ had $27.8M of revenue in fiscal 2025, up 14.2% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 49.2% a year. Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Lake Shore Bancorp, Inc. /MD/ returned $1.7M to shareholders in fiscal 2025. The diluted share count fell 1.3%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Deposits | $573M | $573M |
| Total assets | $686M | $727M |
| Shareholders' equity | $89.9M | $142M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
2 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $24.4M | $27.8M |
| Net interest income | $21.1M | $24.6M |
| Noninterest income | $3.3M | $3.3M |
| Noninterest expense | $20.0M | $19.3M |
| Provision for credit losses | −$1.5M | −$0.2M |
| Pretax income | $5.9M | $8.8M |
| Income tax | $0.9M | $1.5M |
| Net income | $4.9M | $7.3M |
| Diluted EPS | $0.65 | $0.97 |
| Diluted shares | 0.01B | 0.01B |
| Cash flow | ||
| Cash from operations | $2.5M | $8.0M |
| Share buybacks | $0.0M | $0.1M |
| Dividends paid | $1.1M | $1.7M |
| Dividends and buybacks | $1.1M | $1.7M |
| Balance sheet | ||
| Cash and short-term investments | $33.1M | $64.3M |
| Total debt | $10.3M | $0.0M |
| Finance lease liabilities | $0.4M | $0.3M |
| Deposits | $573M | $573M |
| Property and equipment, net | $7.2M | $7.1M |
| Total assets | $686M | $727M |
| Total liabilities | $596M | $586M |
| Preferred stock | $0.0M | $0.0M |
| Shareholders' equity | $89.9M | $142M |
| Margins | ||
| Net margin | 20.2% | 26.1% |
| Net interest share of revenue | 86.4% | 88.2% |
| Efficiency ratio | 82.0% | 69.2% |
| Returns | ||
| Return on equity | 5.5% | 6.3% |
| Return on assets | 0.7% | 1.0% |
| Return on tangible equity | 5.5% | 5.1% |
| Growth | ||
| Revenue growth | — | 14.2% |
| Net income growth | — | 47.4% |
| EPS growth | — | 49.2% |
| Share count change | — | −1.3% |
| Financial health | ||
| Debt / equity | 0.1x | 0.0x |
| Quality scores | ||
| Piotroski F-score | — | 7.0 |
| Accruals ratio | 0.4% | −0.1% |
Source: SEC EDGAR XBRL filings (CIK 0002059653). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.