Lake Shore Bancorp Q1 FY26 net income rises 81.9% to $1.9 million

• Lake Shore Bancorp posted net income of $1.9 million for the three months ended March 31, 2026, up 81.9%, with diluted EPS of $0.26.
• Net interest income climbed 21.9% to $6.7 million, lifting net interest margin to 4.02% from 3.49% a year earlier.
• Interest income rose 8.2% to $9.1 million, while interest expense fell 17.5% to $2.4 million.
• Provision for credit losses swung to a credit of $113,000 from a provision of $48,000, while non-interest income edged down 2.9% to $703,000.
• Board declared a cash dividend of $0.09 per share, payable May 13 to holders of record May 4.

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