Lake Shore Bancorp, Inc. Financials, FR Y-9SP Data and Filings

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Bank Holding Company New York RSSD 3793086 Ticker LSBK FRS Est. 2006

Lake Shore Bancorp, Inc. is a bank holding company based in New York with $736.7M in total consolidated assets as of June 30, 2026, on the consolidated assets memorandum line of its FR Y-9SP, a parent-company-only report. It owns 1 bank that files a call report: Lake Shore Bank ($733.5M in assets). Its shares trade under the ticker LSBK, and it files with the SEC under CIK 2059653: see its SEC filings and 8-K events.

Holding companies with less than $3 billion in assets file the semiannual FR Y-9SP rather than the quarterly FR Y-9C. The FR Y-9SP reports the parent company on its own, apart from one consolidated assets line, so deposits, loans, capital ratios and quarterly earnings sit in the bank's call report: see Lake Shore Bank.

Key Financials FR Y-9SP, as of June 30, 2026; semiannual filer, next report as of December 31, 2026

Total consolidated assets: $736.7M
Total assets, parent only: $144.9M
Total equity, parent only: $144.8M
Net income, parent only (first half of 2026): $4.1M

Parent-only ratios, FR Y-9SP

Double leverage: 0.84x
Return on equity, parent only (six months, annualized): 5.66%
Dividend payout, year to date: 32.36%

Source: FR Y-9SP for June 30, 2026. Total consolidated assets covers the company and every subsidiary (Memoranda item 1, BHSP8519). The parent-only lines count the holding company itself, which carries its banks as an investment, and its net income is year to date. The form is filed semiannually, as of June 30 and December 31, so in March and September these are the last filed values. Parent-only ratios are not comparable with the consolidated FR Y-9C ratios of larger holding companies. Bank-level figures in the tables below come from each bank's own call report.

Bank Subsidiaries 1 bank held directly or through another holding company

Bank	Charter	State	Total assets (call report)	Share of bank assets	Held through
Lake Shore Bank	State Nonmember Bank	NY	$733.5M	100.0%	Held directly

Watch Lake Shore Bank: get an email when it files its next call report. Free account, no card.

Questions About Lake Shore Bancorp, Inc.

What are Lake Shore Bancorp, Inc.'s total assets?

Lake Shore Bancorp, Inc. reported $736.7M in total consolidated assets as of June 30, 2026, the figure it entered on the consolidated assets memorandum line of its FR Y-9SP filing with the Federal Reserve. The FR Y-9SP is a parent-company-only report that carries no consolidated balance sheet, and holding companies with less than $3 billion in assets file it semiannually instead of the quarterly FR Y-9C.

How many banks does Lake Shore Bancorp, Inc. own?

Lake Shore Bancorp, Inc. owns 1 bank that files a call report: Lake Shore Bank.

Who owns Lake Shore Bank?

Lake Shore Bank is owned by Lake Shore Bancorp, Inc. The bank reported $733.5M in total assets on its latest call report.

Where can I find Lake Shore Bancorp, Inc.'s FR Y-9SP?

Lake Shore Bancorp, Inc. files the FR Y-9SP with the Federal Reserve every six months, as of June 30 and December 31. The reports are public on the FFIEC National Information Center under RSSD ID 3793086. This page summarizes the FR Y-9SP for Q2 2026.

Does Lake Shore Bancorp, Inc. file with the SEC?

Yes. Lake Shore Bancorp, Inc. files with the SEC under Central Index Key (CIK) 2059653 and trades under the ticker LSBK.

Filing Details fiscal year and SEC registration

Fiscal year end: December 31
Ticker: LSBK
SEC CIK: 2059653
SEC filings: Filings and 8-K events

Organization Map select + to expand a subsidiary's own holdings

Holding company Reporting bank Nonbank subsidiary

Lake Shore Bancorp, Inc.

Holding Company NY RSSD 3793086

$736.7M
- Lake Shore Bank
  
  State Nonmember Bank NY RSSD 301574
  
  $733.5M

Direct Subsidiaries 1 active direct subsidiary

Entity	Type	State	Total Assets	Share of bank subsidiary assets
Lake Shore Bank · 301574	State Nonmember Bank	NY	$733.5M	100.0%

Share of bank subsidiary assets divides each bank's total assets by the combined assets of the bank subsidiaries listed. Nonbank subsidiaries are not counted.

Regulator records: FFIEC NIC profile (RSSD 3793086)