Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club, passbook, and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts comprising demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans; lines of credit; commercial loans, such as business installment loan, line of credit, and other commercial loan; one-to four-family residential mortgages; and consumer loans that include personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 5, 2021, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. operates as a subsidiary of Lake Shore, MHC.
IPO Year: 2006
Exchange: NASDAQ
Website: lakeshoresavings.com
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4 - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
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4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
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4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
4 - LAKE SHORE BANCORP, INC. (0001341318) (Issuer)
10-Q - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Filer)
8-K - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Filer)
8-K - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Filer)
8-K - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Filer)
SCHEDULE 13D/A - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Subject)
10-Q - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Filer)
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SCHEDULE 13D - Lake Shore Bancorp, Inc. /MD/ (0002059653) (Subject)
15-12G - LAKE SHORE BANCORP, INC. (0001341318) (Filer)
8-K - LAKE SHORE BANCORP, INC. (0001341318) (Filer)
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DUNKIRK, N.Y., Oct. 24, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Bank (the "Bank"), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on October 22, 2025. The dividend is expected to be paid on November 12, 2025 to stockholders of record as of November 3, 2025. About Lake Shore Lake Shore Bancorp is the holding company of Lake Shore Bank, a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has ten full-service branch locations in Western New York, including four in Chautauqua County
DUNKIRK, N.Y., Oct. 22, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Bank (the "Bank"), reported unaudited net income of $2.4 million, or $0.32 per diluted share, for the third quarter of 2025 compared to net income of $1.3 million, or $0.18 per diluted share, for the third quarter of 2024. For the first nine months of 2025, the Company reported unaudited net income of $5.3 million, or $0.70 per diluted share, as compared to $3.5 million, or $0.46 per diluted share, for the first nine months of 2024. Earnings per share and other share information disclosed throughout reflect the effect of the Company's conversion and re
DUNKIRK, N.Y., July 24, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Bank (the "Bank"), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on July 23, 2025. The dividend is expected to be paid on August 13, 2025 to stockholders of record as of August 4, 2025. About Lake Shore Lake Shore Bancorp is the holding company of Lake Shore Bank, a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has ten full-service branch locations in Western New York, including four in Chautauqua County and six
DUNKIRK, N.Y., July 23, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the new holding company for Lake Shore Bank (the "Bank"), reported unaudited net income of $1.9 million, or $0.34 per diluted share, for the second quarter of 2025 compared to net income of $1.1 million, or $0.19 per diluted share, for the second quarter of 2024. For the first six months of 2025, the Company reported unaudited net income of $3.0 million, or $0.53 per diluted share, as compared to $2.1 million, or $0.36 per diluted share, for the first six months of 2024. The Company's financial performance for the second quarter of 2025 was positively impacted by an increase in net inte
DUNKIRK, N.Y., July 18, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Bancorp") (NASDAQ:LSBK), the new holding company for Lake Shore Bank (the "Bank"), announced that the conversion of Lake Shore, MHC from mutual to stock form, the related stock offering by Lake Shore Bancorp and the Bank's conversion from a federal savings bank to a New York chartered commercial bank closed following the close of business today. Lake Shore Bancorp's common stock is expected to begin trading on the Nasdaq Global Market under the trading symbol "LSBK" on July 21, 2025. As a result of the subscription offering, Lake Shore Bancorp sold a total of 4,950,460 shares of its common stock (approx
DUNKIRK, N.Y., July 08, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Federal Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that all regulatory approvals have been received to close the conversion of Lake Shore, MHC from mutual to stock form and the related stock offering by Lake Shore Bancorp, Inc. ("Lake Shore Bancorp"), the proposed new stock holding company for Lake Shore Bank and the Bank's conversion from a federal savings bank to a New York chartered commercial bank. Closing is expected to occur after the close of business on July 18, 2025. Lake Shore Bancorp's common stock is expected to begin trading on the
DUNKIRK, N.Y., July 01, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Federal Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that at special meetings held on July 1, 2025, the stockholders of Lake Shore Federal Bancorp and the members of Lake Shore, MHC (depositors of the Bank) approved the Amended and Restated Plan of Conversion and Reorganization in connection with Lake Shore, MHC's previously announced plan to convert from the mutual holding company to the fully public stock holding company form of organization and the Bank's conversion from a federal savings bank to a New York chartered commercial bank. The closi
DUNKIRK, N.Y., May 23, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Federal Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that Lake Shore Bancorp, Inc. ("Lake Shore Bancorp"), a newly formed Maryland corporation and the proposed successor holding company of the Bank, is commencing its offering of common stock in connection with the proposed conversion of Lake Shore, MHC from a mutual holding company to a stock holding company. As part of the conversion, the Bank will convert its charter to a New York commercial bank and will be renamed Lake Shore Bank. Lake Shore Bancorp is offering for sale up to 5,750,000 shares
DUNKIRK, N.Y., April 29, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), reported unaudited net income of $1.1 million, or $0.19 per diluted share, for the first quarter of 2025 compared to net income of $1.0 million, or $0.17 per diluted share, for the first quarter of 2024. The Company's financial performance for the first quarter of 2025 was positively impacted by an increase in net interest income along with a decrease in non-interest expenses because of efforts to optimize operating expenses while continuing to reduce its reliance on wholesale Federal Home Loan Bank of New York ("FHLBNY") fu
DUNKIRK, N.Y., Jan. 30, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that the Board of Directors of its parent mutual holding company, Lake Shore, MHC, has adopted a Plan of Conversion and Reorganization pursuant to which Lake Shore, MHC will undertake a "second step" conversion from the mutual holding company structure to the stock holding company structure. In connection with the second step conversion, the Bank intends to seek regulatory approval to convert its charter to a New York-chartered commercial bank. Lake Shore, MHC currently owns approximately 63.4% of the outstan
Live Leadership Updates
Taylor Gilden (left) and Rachel Foley (right) DUNKIRK, N.Y., Aug. 02, 2023 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company"), its wholly-owned subsidiary, Lake Shore Savings Bank (the "Bank"), and Lake Shore, MHC (the "MHC"), appointed Taylor Gilden as Chief Financial Officer ("CFO") and Treasurer and Rachel Foley as Chief Operating Officer ("COO") of the Company, the Bank, and the MHC. In these roles, Mr. Gilden will be responsible for the organization's financial and risk management and reporting while Ms. Foley will be responsible for deposit and retail loan operations. Mr. Gilden and Ms. Foley will work closely together to strengthen and enhance the organization's finance
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SC 13G/A - LAKE SHORE BANCORP, INC. (0001341318) (Subject)
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DUNKIRK, N.Y., Oct. 24, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Bank (the "Bank"), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on October 22, 2025. The dividend is expected to be paid on November 12, 2025 to stockholders of record as of November 3, 2025. About Lake Shore Lake Shore Bancorp is the holding company of Lake Shore Bank, a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has ten full-service branch locations in Western New York, including four in Chautauqua County
DUNKIRK, N.Y., July 24, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Bank (the "Bank"), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on July 23, 2025. The dividend is expected to be paid on August 13, 2025 to stockholders of record as of August 4, 2025. About Lake Shore Lake Shore Bancorp is the holding company of Lake Shore Bank, a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has ten full-service branch locations in Western New York, including four in Chautauqua County and six
DUNKIRK, N.Y., July 08, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Federal Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that all regulatory approvals have been received to close the conversion of Lake Shore, MHC from mutual to stock form and the related stock offering by Lake Shore Bancorp, Inc. ("Lake Shore Bancorp"), the proposed new stock holding company for Lake Shore Bank and the Bank's conversion from a federal savings bank to a New York chartered commercial bank. Closing is expected to occur after the close of business on July 18, 2025. Lake Shore Bancorp's common stock is expected to begin trading on the
DUNKIRK, N.Y., July 01, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Federal Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that at special meetings held on July 1, 2025, the stockholders of Lake Shore Federal Bancorp and the members of Lake Shore, MHC (depositors of the Bank) approved the Amended and Restated Plan of Conversion and Reorganization in connection with Lake Shore, MHC's previously announced plan to convert from the mutual holding company to the fully public stock holding company form of organization and the Bank's conversion from a federal savings bank to a New York chartered commercial bank. The closi
DUNKIRK, N.Y., May 23, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. ("Lake Shore Federal Bancorp") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that Lake Shore Bancorp, Inc. ("Lake Shore Bancorp"), a newly formed Maryland corporation and the proposed successor holding company of the Bank, is commencing its offering of common stock in connection with the proposed conversion of Lake Shore, MHC from a mutual holding company to a stock holding company. As part of the conversion, the Bank will convert its charter to a New York commercial bank and will be renamed Lake Shore Bank. Lake Shore Bancorp is offering for sale up to 5,750,000 shares
DUNKIRK, N.Y., Jan. 27, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that the Board of Directors declared a cash dividend of $0.18 per share on its outstanding common stock on January 27, 2025. The dividend is expected to be paid on February 14, 2025 to stockholders of record as of February 10, 2025. The Company received the written approval from the Federal Reserve Bank of Philadelphia (the "Reserve Bank") on January 9, 2025 to pay a cash dividend of $0.18 per share to its stockholders. About Lake Shore Lake Shore Bancorp, Inc. (NASDAQ Global Market: LSBK) is the mid-t
DUNKIRK, N.Y., Jan. 24, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), reported unaudited net income of $1.5 million, or $0.26 per diluted share, for the fourth quarter of 2024 compared to net income of $749,000, or $0.13 per diluted share, for the fourth quarter of 2023. For the year ended December 31, 2024, the Company reported unaudited net income of $4.9 million, or $0.88 per diluted share, as compared to $4.8 million, or $0.82 per diluted share for the year ended December 31, 2023. The Company's 2024 financial performance was positively impacted by a decrease in non-interest expenses as a r
DUNKIRK, N.Y., Dec. 03, 2024 (GLOBE NEWSWIRE) -- On December 3, 2024, Lake Shore Savings Bank ("Bank"), the wholly-owned federal savings bank subsidiary of Lake Shore Bancorp, Inc. ("Company") received termination notice of the Consent Order by the Office of the Comptroller of the Currency ("OCC"), the Bank's primary federal regulator. The Consent Order required the Bank to correct deficiencies related to information technology, security, automated clearing house, audit, management, and Bank Secrecy Act / Anti-Money Laundering. In addition to the termination of the Consent Order, the OCC terminated the "Troubled Condition" status. "Our primary goal has been remediation of the operational
DUNKIRK, N.Y., Oct. 24, 2024 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), announced today that the Board of Directors declared a cash dividend of $0.18 per share on its outstanding common stock on October 23, 2024. The dividend is expected to be paid on November 8, 2024 to stockholders of record as of November 4, 2024. The Company received the written approval from the Federal Reserve Bank of Philadelphia (the "Reserve Bank") on September 30, 2024 to pay a cash dividend of $0.18 per share to its stockholders. About Lake ShoreLake Shore Bancorp, Inc. (NASDAQ Global Market: LSBK) is the mid-tier hol
DUNKIRK, N.Y., Oct. 23, 2024 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the "Company") (NASDAQ:LSBK), the holding company for Lake Shore Savings Bank (the "Bank"), reported unaudited net income of $1.3 million, or $0.24 per diluted share, for the third quarter of 2024 compared to net income of $1.1 million, or $0.19 per diluted share, for the second quarter of 2024, and $1.6 million, or $0.27 per diluted share, for the third quarter of 2023. The increase in net income during the third quarter of 2024 was primarily driven by an increase in net interest income and a reduction in non-interest expenses when compared to the previous quarter. For the first nine months of 2024, the Company rep