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Lake Shore Bancorp's Q3 net income rose due to higher interest income. The company is a mid-tier holding company for Lake Shore Savings Bank, which has 11 full-service branches in Western New York. It offers retail and commercial lending and deposit services, primarily investing in commercial real estate loans, residential mortgage loans, and commercial business loans. The company's primary sources of funds are deposits, borrowings, brokered deposits, and receipts of principal and interest payments on loans and securities.

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