Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	34.01	32.76	30.71	30.01	24.51	22.75
Interest Income on Investments	3.52	3.52	4.09	3.75	2.25	1.91
Total Interest Income	37.53	36.28	34.8	33.76	26.75	24.66
Interest Paid on Deposits	10.05	11.55	13.08	8.07	1.82	2.09
Interest Paid on Borrowings	0.17	0.17	0.66	1.33	0.6	0.57
Total Interest Expense	10.22	11.72	13.74	9.4	2.42	2.67
Net Interest Income	27.32	24.57	21.06	24.36	24.34	21.99
Net Interest Income Growth	17.33%	16.63%	-13.53%	0.08%	10.66%	10.35%
Gain (Loss) on Sale of Investments	0.16	0.16	0.06	-0.04	0.02	0.03
Other Non-Interest Income	2.76	3.11	3.24	2.68	2.71	2.62
Total Non-Interest Income	2.93	3.27	3.3	2.64	2.7	3.19
Non-Interest Income Growth	-19.98%	-0.94%	25.39%	-2.55%	-15.18%	6.55%
Revenues Before Loan Losses	30.24	27.84	24.37	26.99	27.04	25.18
Provision for Loan Losses	0.34	-0.18	-1.48	-1.04	0.73	0.65
Revenue	29.91	28.02	25.85	28.04	26.32	24.53
Revenue Growth	7.68%	8.40%	-7.81%	6.53%	7.28%	15.18%
Salaries and Employee Benefits	11.05	11.05	11.11	11.15	9.52	8.63
Occupancy Expenses	2.41	2.41	2.57	2.76	2.9	2.69
Federal Deposit Insurance	0.3	0.3	0.8	1.11	0.27	0.18
Selling, General & Administrative	4.5	4.5	4.54	5.73	5	4.34
Other Non-Interest Expense	1.49	1.01	0.98	1.06	1.76	1.22
Total Non-Interest Expense	19.75	19.27	19.98	21.82	19.45	17.06
EBT Excluding Unusual Items	10.16	8.75	5.87	6.22	6.87	7.48
Pretax Income	10.16	8.75	5.87	6.22	6.87	7.48
Income Tax Expense	1.81	1.48	0.94	1.4	1.16	1.29
Net Income	8.34	7.27	4.93	4.82	5.71	6.19
Net Income to Common	8.34	7.27	4.93	4.82	5.71	6.19
Net Income Growth	22.62%	47.41%	2.30%	-15.56%	-7.74%	35.74%
Basic Shares Outstanding	7	8	8	8	8	8
Diluted Shares Outstanding	7	8	8	8	8	8
Shares Change	-3.51%	-1.28%	-3.99%	-0.41%	-0.14%	-1.13%
EPS (Basic)	1.14	0.97	0.65	0.61	0.72	0.78
EPS (Diluted)	1.14	0.97	0.65	0.61	0.72	0.78
EPS Growth	28.21%	49.51%	6.97%	-15.46%	-7.63%	37.20%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.360	0.270	0.531	-	0.384	0.421
Dividend Growth	15.09%	-49.19%	-	-	-8.77%	14.01%
Effective Tax Rate	17.84%	16.95%	15.94%	22.50%	16.91%	17.23%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 1, 2026

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