Lake Shore Announces Record Earnings for 2025

About this update from Lake Shore Bancorp, Inc.

[{"type":"image","alt":"Lake Shore Bancorp, Inc.","displaySize":"","headline":null,"caption":"Lake Shore Bancorp, Inc.","className":"","disableSlideshowImg":false,"size":{"original":{"width":300,"height":28,"url":"https://media.zenfs.com/en/globenewswire.com/13f4220e19caa64abbbeb76f75a305a9"},"resized":{"url":"https://s.yimg.com/ny/api/res/1.2/EdcPvPP7wUwz7VNzmQhEiQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTQyMDtoPTM5O2NmPXdlYnA-/https://media.zenfs.com/en/globenewswire.com/13f4220e19caa64abbbeb76f75a305a9","width":300,"height":28}},"lazy":false},{"type":"text","content":"DUNKIRK, N.Y., Jan. 21, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $1.9 million, or $0.26 per diluted share, for the fourth quarter of 2025 compared to net income of $1.5 million, or $0.19 per diluted share, for the fourth quarter of 2024. For the year ended December 31, 2025, the Company reported unaudited net income of $7.3 million, or $0.97 per diluted share, as compared to $4.9 million, or $0.65 per diluted share, for the year ended December 31, 2024. The Company's 2025 financial performance was positively impacted by an increase in net interest income and a decrease in non-interest expenses.","length":733,"tagName":"p"},{"type":"text","content":""Our fourth quarter and 2025 year-end results reflect the effectiveness of our strategies," stated Kim C. Liddell, President, CEO, and Director. "We increased core earnings, improved margins, strengthened the balance sheet, reduced borrowings and non-performing assets, and grew tangible book value. Our disciplined focus on prudent loan growth and core deposits positions us well for 2026 and delivering shareholder value."","length":444,"tagName":"p"},{"type":"text","content":"Fourth Quarter 2025 and Full Year Financial Highlights:","length":55,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income increased to $1.9 million during the fourth quarter of 2025, an increase of $465,000, or 31.7%, when compared to the fourth quarter of 2024 and increased to $7.3 million during the year ended December 31, 2025, an increase of $2.3 million, or 47.4%, when compared to the year ended December 31, 2024;","length":311,"tagName":"p"}]},{"val":[{"type":"text","content":"Net interest margin incr...

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