Lake Shore Bancorp Q2 earnings rise 13% to $2.2M on margin expansion, credit quality

Filed July 22, 2026 · Period ending July 22, 2026 · ~1 min read

Key Changes

• high

  Q2 2026 net income $2.2M ($0.29/share), up 13.2% YoY from $1.9M ($0.25/share), driven by $771K (12.6%) increase in net interest income to $6.9M.

  Exhibit 99.1 view on EDGAR →
• high

  Net interest margin expanded 22 basis points YoY to 4.06%, reflecting higher asset yields and 33-bp decline in funding costs from deposit repricing.

  Exhibit 99.1 view on EDGAR →
• medium

  Non-performing assets fell to 0.20% of total assets from 0.23% at year-end 2025; allowance coverage of NPLs strengthened to 331.85% from 290.71%.

  Exhibit 99.1 view on EDGAR →