Lake Shore Bancorp Announces Record Earnings for 2025 with $1.9M Net Income, $0.26 EPS, and $7.3M Net Income for the Year.

Lake Shore Bancorp reported record earnings for 2025 with net income of $1.9 million, or $0.26 per diluted share, for Q4 and $7.3 million, or $0.97 per diluted share, for the year. The increase in earnings was driven by higher net interest income and lower non-interest expenses. The company's net interest margin increased to 3.85% in Q4 and 3.73% for the year, while its efficiency ratio improved to 69.21%. Book value per share increased 56.4% to $18.10.