Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	64.28	33.13	53.73	9.63	67.59
Securities and Investments	56.81	57.65	62.74	75.38	90.42
Gross Loans	555.44	544.62	555.83	573.54	517.21
Net Loans	555.44	544.62	555.83	573.54	517.21
Net Property, Plant & Equipment	7.05	7.22	7.87	8.29	8.74
Accrued Interest and Accounts Receivable	3.01	2.82	2.84	2.8	2.48
Long-Term Investments	31.53	29.34	29.36	23.22	22.88
Other Non-Earning Assets	9.21	10.72	12.77	7.07	4.43
Total Assets	727.32	685.5	725.12	699.91	713.74
Interest-bearing deposits	477.17	476.57	495.74	464.44	482.51
Noninterest-bearing deposits	96.1	96.41	95.19	105.68	110.68
Total Deposits	573.28	572.98	590.92	570.12	593.18
Short-Term Borrowings	-	-	-	12.6	-
Long-Term Debt	-	10.25	35.25	24.95	21.95
Other Liabilities	12.41	12.41	12.67	11.07	10.63
Total Liabilities	585.68	595.64	638.85	618.73	625.76
Common Stock	0.08	0.07	0.07	0.07	0.07
Treasury Stock	-	-13.3	-13.76	-13.57	-13.66
Additional Paid-in Capital	65.58	31.2	31.46	31.46	31.35
Accumulated Other Comprehensive Income	-12.41	-10.9	-10.45	-11.63	-0.37
Retained Earnings	88.4	82.81	78.96	74.86	70.59
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	0	10.25	35.25	24.95	21.95
Net Cash (Debt)	-0	-10.25	-35.25	-24.95	-21.95
Net Cash Per Share	-	-1.35	-4.44	-3.13	-2.75
Book Value	141.64	89.87	86.27	81.18	87.98
Book Value Per Share	18.84	11.80	10.87	10.19	11.03
Tangible Book Value	141.64	89.87	86.27	81.18	87.98
Tangible Book Value Per Share	18.84	11.80	10.87	10.19	11.03

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q