The consistent improvement in net interest margin and efficiency ratio, combined with strong credit quality, supports a positive outlook for LSBK. Monitor upcoming quarters for continued margin expansion and deposit cost management, as the bank benefits from a favorable rate environment and disciplined expense control.
Price Chart
Executive Summary
Lake Shore Bancorp reported Q2 2026 net income of $2.2M ($0.29/diluted share), up 13.2% YoY from $1.9M ($0.25/diluted share), driven by a 12.6% increase in net interest income to $6.9M and a 22bp expansion in net interest margin to 4.06%. The quarter reflects solid core earnings growth with improving efficiency and credit quality, though no consensus estimates were available for comparison.
Key Financial Metrics
Key Facts
- Net income $2.2M vs $1.9M YoY, +13.2%
- EPS $0.29 vs $0.25 YoY, +16.0%
- Net interest income $6.9M vs $6.1M YoY, +12.6%
- Net interest margin 4.06% vs 3.84% YoY, +22bp
- Efficiency ratio improved to 63.77% from 66.82% YoY
- Non-performing assets / total assets improved to 0.20% from 0.23% at Dec 2025
- Book value per share $18.41, +1.7% from Dec 2025
- Bank remains well-capitalized: Tier 1 Leverage 17.43%, Total Risk-Based Capital 24.04%
Financial Impact
Net income increased $254K or 13.2% YoY to $2.2M; EPS rose $0.04 or 16.0% to $0.29
Risk Factors
- Potential compression in net interest margin if deposit costs rise faster than asset yields
- Concentration in Western New York market exposes the bank to regional economic downturns
- Modest loan growth of 0.5% YTD may limit future earnings expansion
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3331755 |
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 5d ago | 8-K | $18.71 | awaiting T+60 | — | $18.75 (+0.21%) |
Oct 21, 2026 5d 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
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