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Lake Shore Bancorp, Inc. balance sheet

At the end of fiscal 2025, Lake Shore Bancorp, Inc. had total assets of $727m, total liabilities of $586m and shareholders' equity of $142m. It held $64.3m in cash against $0 of debt.

Balance sheet

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2024Dec 20242025Dec 2025LTMJun 2026
Cash and equivalents336472
Total assets686727737
Long-term debt100—
Total debt1000
Total liabilities596586592
Shareholders' equity90142145
Shares outstanding8m8m8m

Balances at each fiscal year end (quarter end in the quarterly view). Total debt is short- plus long-term borrowings, including lease debt where the company reports it within debt. Where assets do not equal liabilities plus shareholders' equity, the difference (non-controlling interests, redeemable preferred shares) is shown on its own line.

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Figures from Lake Shore Bancorp, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Lake Shore Bancorp, Inc.