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Lake Shore Bancorp, Inc. key statistics and ratios

In fiscal 2025, Lake Shore Bancorp, Inc. had return on equity of 6.3% and a net margin of 26.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

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

Fiscal year2024Dec 20242025Dec 2025LTMJun 2026
Net margin20.2%26.1%28.2%
Return on equity5.5%6.3%5.9%
Return on assets0.7%1.0%1.1%
Effective tax rate15.9%16.9%17.7%
Dividends ÷ net income21.9%23.1%31.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BAFN vs LSBKLSBK vs SRBKAUBN vs LSBK

More: Regional Banks stocks compared, Financials sector, rankings of US companies

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.