Lake Shore Bancorp, Inc. (LSBK)
NASDAQ: LSBK · Real-Time Price · USD
18.75
0.00 (0.00%)
Nov 3, 2026, 11:22 AM EST - Market open
Lake Shore Bancorp Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 57.69 | 64.28 | 33.13 | 53.73 | 9.63 | 67.59 |
Investment Securities | 48.22 | 32.18 | 29.64 | 31.28 | 26.56 | 35.91 |
Mortgage-Backed Securities | - | 20.36 | 22.25 | 25.47 | 28.69 | 35.71 |
Total Investments | 48.22 | 52.54 | 51.9 | 56.74 | 55.25 | 71.62 |
Gross Loans | 574.09 | 560.33 | 549.75 | 562.29 | 580.6 | 523.32 |
Allowance for Loan Losses | - | -4.88 | -5.13 | -6.46 | -7.07 | -6.12 |
Net Loans | 574.09 | 555.44 | 544.62 | 555.83 | 573.54 | 517.21 |
Property, Plant & Equipment | - | 7.81 | 8.16 | 8.1 | 8.66 | 9.25 |
Accrued Interest Receivable | - | 3.01 | 2.82 | 2.84 | 2.8 | 2.48 |
Long-Term Deferred Tax Assets | - | 3.59 | 3.92 | 3.89 | 3.97 | 0.78 |
Other Real Estate Owned & Foreclosed | - | - | - | 0.03 | 0.1 | 0.12 |
Other Long-Term Assets | 54.24 | 39.99 | 39.81 | 41.66 | 43.65 | 43.1 |
Total Assets | 734.24 | 727.32 | 685.5 | 725.12 | 699.91 | 713.74 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Interest Bearing Deposits | 580.35 | 447.56 | 442.64 | 495.74 | 464.44 | 455.21 |
Institutional Deposits | - | 29.62 | 33.93 | 38.4 | 28.3 | 27.3 |
Non-Interest Bearing Deposits | - | 96.1 | 96.41 | 56.79 | 77.38 | 110.68 |
Total Deposits | 580.35 | 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 | - | 0.32 | - | - | - | - |
Accrued Interest Payable | - | 0.06 | 0.1 | - | - | - |
Federal Home Loan Bank Debt, Long-Term | - | - | 2 | 10.25 | 20 | 19.95 |
Long-Term Leases | - | 0.74 | 1.32 | 0.72 | 0.94 | 1.16 |
Pension & Post-Retirement Benefits | - | 3.49 | 2.73 | 0.95 | 2.25 | 4.18 |
Other Long-Term Liabilities | 12.3 | 7.8 | 8.26 | 11 | 7.88 | 5.23 |
Total Liabilities | 592.65 | 585.68 | 595.64 | 638.85 | 618.73 | 625.76 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Common Stock | 141.6 | 0.08 | 0.07 | 0.07 | 0.07 | 0.07 |
Additional Paid-In Capital | - | 65.58 | 31.2 | 31.46 | 31.46 | 31.35 |
Retained Earnings | - | 88.4 | 82.81 | 78.96 | 74.86 | 70.59 |
Treasury Stock | - | - | -13.3 | -13.76 | -13.57 | -13.66 |
Comprehensive Income & Other | - | -12.41 | -10.9 | -10.45 | -11.63 | -0.37 |
Shareholders' Equity | 141.6 | 141.64 | 89.87 | 86.27 | 81.18 | 87.98 |
Total Liabilities & Equity | 734.24 | 727.32 | 685.5 | 725.12 | 699.91 | 713.74 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | - | 1.06 | 11.57 | 35.97 | 38.49 | 23.17 |
Net Cash (Debt) | 57.69 | 63.23 | 21.56 | 17.76 | -28.86 | 44.42 |
Net Cash Growth | -29.34% | 193.26% | 21.37% | - | - | 242.57% |
Net Cash Per Share | 7.87 | 8.41 | 2.83 | 2.24 | -3.62 | 5.57 |
Filing Date Shares Outstanding | 7.46 | 7.34 | 7.64 | 7.56 | 7.58 | 7.57 |
Total Common Shares Outstanding | 7.46 | 7.34 | 7.64 | 7.56 | 7.59 | 7.56 |
Book Value Per Share | 18.97 | 19.29 | 11.76 | 11.40 | 10.70 | 11.63 |
Tangible Book Value | 141.6 | 141.64 | 89.87 | 86.27 | 81.18 | 87.98 |
Tangible Book Value Per Share | 18.97 | 19.29 | 11.76 | 11.40 | 10.70 | 11.63 |