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Lake Shore Bancorp (LSBK)

Lake Shore Bancorp (LSBK)
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Financial Summary for [[ item.sessionDateDisplayLong ]]
Lake Shore Bancorp, Inc. operates as the holding company for Lake Shore Savings Bank, a community-oriented financial institution, which engages in the retail banking business in Erie and Chautauqua Counties of New York. Headquartered in Dunkirk, New York, the company offers various deposit products, including savings deposits, money market accounts, interest bearing and non-interest bearing checking accounts, retirement accounts, time deposits, and interest on lawyer accounts. Its loan portfolio comprises residential mortgage loans, including home equity loans; consumer loans; commercial real estate loans; and commercial loans.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Sales 10,420 9,910 9,090 9,660 9,640
Sales Growth +5.15% +9.02% -5.90% +0.21% +1.58%
Net Income 2,360 1,920 1,060 1,470 1,330
Net Income Growth +22.92% +81.13% -27.89% +10.53% +18.75%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Total Assets 742,800 734,840 689,000 685,500 697,600
Total Assets Growth +1.08% +6.65% +0.51% -1.73% -1.89%
Total Liabilities 603,500 641,950 598,330 595,640 607,720
Total Liabilities Growth -5.99% +7.29% +0.45% -1.99% -2.63%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Operating Cash Flow 5,850 2,510 720 2,510 -880
Operating Cash Flow Growth +133.07% +248.61% -71.31% +385.23% -262.96%
Net Cash Flow 50,510 42,240 -2,700 -20,600 -3,750
Change in Net Cash Flow +19.58% +1,664.44% +86.89% -449.33% -151.65%
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