Lake Shore Bancorp, Inc. (LSBK)

NASDAQ: LSBK · Real-Time Price · USD

17.42

+0.19 (1.10%)

At close: Sep 3, 2026, 4:00 PM EDT

17.42

0.00 (0.00%)

After-hours: Sep 3, 2026, 4:10 PM EDT

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	Jun '26 Jun 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	72.24	64.28	33.13	53.73	9.63	67.59
Investment Securities	31.03	32.18	29.64	31.28	26.56	35.91
Mortgage-Backed Securities	18.44	20.36	22.25	25.47	28.69	35.71
Total Investments	49.47	52.54	51.9	56.74	55.25	71.62
Gross Loans	563.06	560.33	549.75	562.29	580.6	523.32
Allowance for Loan Losses	-4.75	-4.88	-5.13	-6.46	-7.07	-6.12
Net Loans	558.32	555.44	544.62	555.83	573.54	517.21
Property, Plant & Equipment	6.86	7.81	8.16	8.1	8.66	9.25
Accrued Interest Receivable	2.96	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	46.15	39.99	39.81	41.66	43.65	43.1
Total Assets	736.65	727.32	685.5	725.12	699.91	713.74

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	481.76	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	96.48	96.1	96.41	56.79	77.38	110.68
Total Deposits	578.24	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	0.02	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	13.64	7.8	8.26	11	7.88	5.23
Total Liabilities	591.89	585.68	595.64	638.85	618.73	625.76

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	0.08	0.08	0.07	0.07	0.07	0.07
Additional Paid-In Capital	65.84	65.58	31.2	31.46	31.46	31.35
Retained Earnings	91.17	88.4	82.81	78.96	74.86	70.59
Treasury Stock	-	-	-13.3	-13.76	-13.57	-13.66
Comprehensive Income & Other	-12.33	-12.41	-10.9	-10.45	-11.63	-0.37
Shareholders' Equity	144.76	141.64	89.87	86.27	81.18	87.98
Total Liabilities & Equity	736.65	727.32	685.5	725.12	699.91	713.74

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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)	72.24	63.23	21.56	17.76	-28.86	44.42
Net Cash Growth	-1.54%	193.26%	21.37%	-	-	242.57%
Net Cash Per Share	9.80	8.41	2.83	2.24	-3.62	5.57
Filing Date Shares Outstanding	7.36	7.34	7.64	7.56	7.58	7.57
Total Common Shares Outstanding	7.37	7.34	7.64	7.56	7.59	7.56
Book Value Per Share	19.64	19.29	11.76	11.40	10.70	11.63
Tangible Book Value	144.76	141.64	89.87	86.27	81.18	87.98
Tangible Book Value Per Share	19.64	19.29	11.76	11.40	10.70	11.63

SEC Filings: 10-K · 10-Q