Lake Shore Bancorp Reports $7.3M Net Income for 2025, Up 47.4%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Source: Globenewswire
- Net Income Growth: Lake Shore Bancorp reported a net income of $1.9 million in Q4 2025, a 31.7% increase year-over-year, with a total net income of $7.3 million for the year, reflecting a 47.4% growth compared to 2024, indicating effective strategic execution and enhanced profitability.
- Interest Income Increase: The bank's net interest income reached $6.6 million in Q4 2025, up 24% from the same period in 2024, primarily driven by increased loan yields and higher average yields on interest-earning assets, further solidifying the bank's financial stability.
- Improved Asset Quality: As of December 31, 2025, non-performing assets as a percentage of total assets decreased to 0.23%, down 55.8% from 2024, reflecting effective credit management and risk control measures that bolster investor confidence.
- Strong Capital Ratios: Lake Shore Bancorp maintained a Tier 1 Leverage ratio of 16.65% and a Total Risk-Based Capital ratio of 23.51% as of 2025, demonstrating a robust capital structure that provides a solid foundation for future business expansion.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy LSBK?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on LSBK
About LSBK
Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank (the Bank). The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to-four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, receipts of principal and interest payments on loans and securities, proceeds from sales of loans or securities, maturities and calls of investment securities and others. The Bank serves the market areas surrounding its ten branch offices located within the Western New York region of New York State.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Lake Shore Bancorp (LSBK) Reports Q4 Earnings Growth to $1.93 Million
- Earnings Growth: Lake Shore Bancorp reported fourth-quarter earnings of $1.93 million, or $0.26 per share, which is a significant increase from last year's $1.47 million and $0.19 per share, indicating improved profitability.
- Revenue Increase: The company's revenue rose by 13.9% year-over-year to $7.30 million, up from $6.41 million last year, reflecting enhanced business expansion and market demand.
- Financial Performance: Both earnings per share and total revenue showed significant improvement compared to the previous year, demonstrating the company's ability to maintain strong growth in a competitive financial market.
- Market Outlook: This growth in earnings and revenue lays a solid foundation for the company's future strategic development, potentially attracting more investor interest in its stock performance.
Continue Reading
Lake Shore Bancorp (LSBK) Reports Q4 GAAP EPS of $0.26 with 13.9% Revenue Growth
- Earnings Highlight: Lake Shore Bancorp reported a Q4 GAAP EPS of $0.26, indicating stable profitability and reflecting the company's competitive position in the market.
- Revenue Growth: The company achieved Q4 revenue of $7.3 million, a 13.9% year-over-year increase, primarily driven by strong performance in loan and deposit activities, showcasing expansion in its customer base and market share.
- Market Reaction: Following the earnings release, market interest in Lake Shore Bancorp has increased, enhancing investor confidence in its future growth potential, which may positively impact its stock price.
- Strategic Outlook: The company remains focused on enhancing business growth and customer service, with expectations to drive future revenue growth through further market expansion and product innovation, strengthening its position in the financial services industry.
Continue Reading