Lake Shore Bancorp's Q3 net income surges on higher interest income

Lake Shore Bancorp

22/10/2025 22:00

Overview

Lake Shore Q3 net income rises 77.1% yr/yr, driven by higher net interest income

Company's net interest margin improves to 3.72% in Q3 2025

Lake Shore reduces wholesale funding, repaying $8.3 mln in borrowings

Result Drivers

NET INTEREST INCOME - Increase in net interest income by $972,000, or 18.1%, positively impacted Q3 results

NON-INTEREST INCOME - Non-interest income rose by $274,000, or 34.6%, due to gains in bank-owned life insurance and equity securities

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Net Income
$2.35 mln
Q3 Net Interest Income
$6.35 mln
Q3 Basic EPS
$0.32
Q3 Net Interest Margin
3.72%
Q3 Pretax Profit
$2.84 mln
Q3 Provision For Credit losses
-$269,000


Press Release: ID:nGNX6cmG7N

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)