Lake Shore Bancorp Q2 2026: Net Income Climbs 13% to $2.2M, Margin Expands to 4.06%
LSBK sits 39% above its 52-week low of $12.29.
Summary
Lake Shore Bancorp reported Q2 2026 net income of $2.2 million, a 13% increase, with net interest margin expanding to 4.06%. Asset quality remains pristine, and the bank has begun share repurchases under its 5% buyback plan.
Key Events · Earnings and Guidance · LSBK
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Q2 Net Income Rises 13%
Net income reached $2.2 million, or $0.29 per diluted share, up from $1.9 million a year ago, driven by higher net interest income.
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Net Interest Margin Expands
The net interest margin improved to 4.06% from 3.84%, as deposit costs fell and earning-asset yields rose.
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Strong Asset Quality
Non-performing assets totaled just $1.5 million, or 0.20% of total assets, with a modest $119K provision for credit losses.
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New Investment Commitment
Committed up to $2.0 million to Castle Creek Launchpad Fund II, a small business investment fund, with $248K funded initially.
Analysis · LSBK · Finance
A solid quarter for Lake Shore Bancorp saw net income rise 13.2% year-over-year to $2.2 million, or $0.29 per share. The net interest margin widened to 4.06% from 3.84% a year ago, helped by lower deposit costs and higher earning-asset yields. Credit quality remains strong, with non-performing assets at just 0.20% of total assets. The bank also disclosed a new $2.0 million limited partnership commitment and confirmed it began buying back stock under its 5% repurchase plan in late July. The results reinforce the bank's steady profitability and conservative balance sheet, though the modest size of the institution limits the market-moving potential.
How filings like this one have moved
In the 30 days to Oct 17, 2026, 29.7% of the 1528 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.47%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, LSBK was trading at $17.13 on NASDAQ in the Finance sector, with a market capitalization of approximately $134.7M. The 52-week trading range was $12.29 to $17.96. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.