Monitor for sustained margin expansion and loan growth momentum; the 81.9% YoY earnings growth and margin improvement signal strong execution in a competitive environment.
Price Chart
Executive Summary
Lake Shore Bancorp reported Q1 2026 net income of $1.9 million ($0.26/share), up 81.9% YoY, driven by a 21.9% increase in net interest income and a 53 basis point expansion in net interest margin to 4.02%. The bank maintained strong credit quality with non-performing assets falling to 0.22% of total assets.
Key Financial Metrics
Key Facts
- Net income: $1.9 million ($0.26/share), up 81.9% YoY
- Net interest margin: 4.02%, up 53 bps YoY
- Net interest income: $6.7 million, up 21.9% YoY
- Efficiency ratio: 69.58%, down 924 bps YoY
- Non-performing assets: 0.22% of total assets, down from 0.23%
- Book value per share: $18.11, up from $18.10
Financial Impact
$1.9 million net income, $6.7 million net interest income
Risk Factors
- Intense competition and challenging loan pricing environments noted by management
- Potential for margin compression if interest rates decline
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-170558 |
| Document: lsbk-20260422.htm | 0001193125-26-170558 |
| Document: 0001193125-26-170558-index-headers.html | 0001193125-26-170558 |
| Document: 0001193125-26-170558-index.html | 0001193125-26-170558 |
| Document: 0001193125-26-170558.txt | 0001193125-26-170558 |
| 8-K Data (Synthetic) | 0001193125-26-170558 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | 8-K | $18.61 | awaiting T+60 | — | $18.75 (+0.75%) |
Oct 21, 2026 6d ago | 8-K | $18.71 | awaiting T+60 | — | $18.75 (+0.21%) |
Oct 21, 2026 6d ago | Press Release | $18.71 | awaiting T+60 | — | $18.75 (+0.21%) |
Jul 24, 2026 13w ago | 8-K | $17.20 $18.12 | ▲ +5.35% | ▲ +1.62% | $18.75 (+9.01%) |
Jul 24, 2026 13w ago | Press Release | $17.20 $18.12 | ▲ +5.35% | ▲ +1.62% | $18.75 (+9.01%) |
Jul 22, 2026 13w ago | Press Release | $17.02 $18.12 | ▲ +6.46% | ▲ +1.91% | $18.75 (+10.16%) |
May 20, 2026 22w ago | 8-K | $15.73 $17.16 | ▲ +9.09% | ▲ +4.09% | $18.75 (+19.20%) |
Apr 24, 2026 26w ago | 8-K | $15.86 $17.01 | ▲ +7.25% | ▲ +2.47% | $18.75 (+18.22%) |
Apr 22, 2026 26w ago | 8-K | $15.76 $17.09 | ▲ +8.43% | ▲ +3.42% | $18.75 (+18.97%) |
Apr 22, 2026 26w ago | Press Release | $15.76 $17.09 | ▲ +8.43% | ▲ +3.42% | $18.75 (+18.97%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers