Lake Shore Bancorp Q2 2026: Net Income Climbs 13.2% to $2.2M as Margin Expands
LSBK sits 48% above its 52-week low of $11.5.
Summary
Lake Shore Bancorp posted Q2 2026 net income of $2.2 million, a 13.2% increase from a year ago, as net interest margin expanded to 4.06% and credit quality stayed strong.
Key Events · Earnings and Guidance · LSBK
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Q2 Net Income Rises 13.2%
Net income reached $2.2 million, or $0.29 per diluted share, compared with $1.9 million, or $0.25 per share, in Q2 2025.
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Net Interest Margin Expands
Driven by higher yields on interest-earning assets and lower deposit costs, the net interest margin rose to 4.06% from 3.84% a year ago.
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Efficiency Ratio Improves
Reflecting disciplined expense management, the efficiency ratio improved to 63.77% from 66.82% in Q2 2025.
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Strong Credit Quality
Non-performing assets fell to 0.20% of total assets, and the allowance for credit losses on loans stood at 0.84% of loans at amortized cost.
Analysis · LSBK · Finance
A solid quarter for Lake Shore Bancorp saw net income climb 13.2% year-over-year to $2.2 million, propelled by a 12.6% jump in net interest income. The net interest margin widened to 4.06%, while the efficiency ratio tightened to 63.77%, underscoring disciplined expense control. Credit quality remains a bright spot, with non-performing assets at just 0.20% of total assets. Capital buffers are robust, highlighted by a Tier 1 leverage ratio of 17.43%. This performance extends the strong Q1 momentum and reinforces the bank's steady earnings trajectory.
At the time of this filing, LSBK was trading at $17.01 on NASDAQ in the Finance sector, with a market capitalization of approximately $131.7M. The 52-week trading range was $11.50 to $17.96. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.