Lake Shore Bancorp, Inc. (LSBK)

NASDAQ: LSBK · Real-Time Price · USD

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15.37

-0.06 (-0.39%)

At close: Feb 6, 2026, 4:00 PM EST

15.37

0.00 (0.00%)

After-hours: Feb 6, 2026, 4:10 PM EST

Lake Shore Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	64.28	33.13	53.73	9.63	67.59
Investment Securities	56.14	29.34	31.28	26.56	35.91
Mortgage-Backed Securities	-	22.25	25.47	28.69	35.71
Total Investments	56.14	51.6	56.74	55.25	71.62
Gross Loans	555.44	549.75	562.29	580.6	523.32
Allowance for Loan Losses	-	-5.13	-6.46	-7.07	-6.12
Net Loans	555.44	544.62	555.83	573.54	517.21
Property, Plant & Equipment	-	8.16	8.1	8.66	9.25
Accrued Interest Receivable	-	2.82	2.84	2.8	2.48
Long-Term Deferred Tax Assets	-	3.92	3.89	3.97	0.78
Other Real Estate Owned & Foreclosed	-	-	0.03	0.1	0.12
Other Long-Term Assets	51.46	40.11	41.66	43.65	43.1
Total Assets	727.32	685.5	725.12	699.91	713.74
Interest Bearing Deposits	573.28	476.57	495.74	464.44	455.21
Institutional Deposits	-	33.9	38.4	28.3	27.3
Non-Interest Bearing Deposits	-	62.51	56.79	77.38	110.68
Total Deposits	573.28	572.98	590.92	570.12	593.18
Short-Term Borrowings	-	-	-	12.6	0.06
Current Portion of Long-Term Debt	-	8.25	25	4.95	2
Current Portion of Leases	-	0.3	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	2	10.25	20	19.95
Long-Term Leases	-	1.02	0.72	0.94	1.16
Pension & Post-Retirement Benefits	-	1.23	0.95	2.25	4.18
Other Long-Term Liabilities	12.41	9.86	11	7.88	5.23
Total Liabilities	585.68	595.64	638.85	618.73	625.76
Common Stock	141.64	0.07	0.07	0.07	0.07
Additional Paid-In Capital	-	31.51	31.46	31.46	31.35
Retained Earnings	-	82.81	78.96	74.86	70.59
Treasury Stock	-	-13.3	-13.76	-13.57	-13.66
Comprehensive Income & Other	-	-11.21	-10.45	-11.63	-0.37
Shareholders' Equity	141.64	89.87	86.27	81.18	87.98
Total Liabilities & Equity	727.32	685.5	725.12	699.91	713.74
Total Debt	-	11.57	35.97	38.49	23.17
Net Cash (Debt)	64.28	21.56	17.76	-28.86	44.42
Net Cash Growth	198.16%	21.37%	-	-	242.57%
Net Cash Per Share	8.58	3.83	3.03	-4.91	7.54
Filing Date Shares Outstanding	7.31	5.64	5.58	5.59	5.59
Total Common Shares Outstanding	7.31	5.64	5.58	5.6	5.58
Book Value Per Share	19.37	15.93	15.45	14.49	15.76
Tangible Book Value	141.64	89.87	86.27	81.18	87.98
Tangible Book Value Per Share	19.37	15.93	15.45	14.49	15.76

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q