Lake Shore Bancorp's Q3 net income surges on higher interest income

Reuters

Oct 23

Lake Shore Bancorp's Q3 net income surges on higher interest income

Overview

Lake Shore Q3 net income rises 77.1% yr/yr, driven by higher net interest income
Company's net interest margin improves to 3.72% in Q3 2025
Lake Shore reduces wholesale funding, repaying $8.3 mln in borrowings

Result Drivers

NET INTEREST INCOME - Increase in net interest income by $972,000, or 18.1%, positively impacted Q3 results
NON-INTEREST INCOME - Non-interest income rose by $274,000, or 34.6%, due to gains in bank-owned life insurance and equity securities

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q3 Net Income		$2.35 mln
Q3 Net Interest Income		$6.35 mln
Q3 Basic EPS		$0.32
Q3 Net Interest Margin		3.72%
Q3 Pretax Profit		$2.84 mln
Q3 Provision For Credit losses		-$269,000

Press Release: ID:nGNX6cmG7N

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}