Lake Shore Bancorp Q4 net income rises 31.7% yr/yr

Lake Shore Bancorp

21/01/2026 21:40

Overview

New York- based firm's Q4 net income rose 31.7% yr/yr

Net interest margin for Q4 increased to 3.85%

Company repaid all outstanding borrowings, reducing reliance on wholesale funding

Outlook

Lake Shore Bancorp does not provide specific financial guidance for 2026

Result Drivers

NET INTEREST INCOME - Increased by $267,000 in Q4 2025 due to higher yields on interest-earning assets

BORROWINGS REPAYMENT - Co repaid all outstanding borrowings, reducing reliance on wholesale funding

NON-INTEREST EXPENSES - Decreased due to lower salaries and FDIC insurance expenses

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.26
Q4 Net Income
$1.93 mln
Q4 Net Interest Income
$6.62 mln
Q4 Net Interest Margin
3.85%
Q4 Provision For Credit losses
$40,000


Press Release: ID:nGNX7Cr3p2

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(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.)