Lake Shore Bancorp Q4 net income rises 31.7% yr/yr
Overview
New York- based firm's Q4 net income rose 31.7% yr/yr
Net interest margin for Q4 increased to 3.85%
Company repaid all outstanding borrowings, reducing reliance on wholesale funding
Outlook
Lake Shore Bancorp does not provide specific financial guidance for 2026
Result Drivers
NET INTEREST INCOME - Increased by $267,000 in Q4 2025 due to higher yields on interest-earning assets
BORROWINGS REPAYMENT - Co repaid all outstanding borrowings, reducing reliance on wholesale funding
NON-INTEREST EXPENSES - Decreased due to lower salaries and FDIC insurance expenses
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.26 |
|
Q4 Net Income |
| $1.93 mln |
|
Q4 Net Interest Income |
| $6.62 mln |
|
Q4 Net Interest Margin |
| 3.85% |
|
Q4 Provision For Credit losses |
| $40,000 |
|
Press Release: ID:nGNX7Cr3p2
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