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Balance Sheets Overview

Debt to Asset Ratio
81.25%
Unit: Thousand (K) dollars
Assets Breakdown
    • Loans receivable, net of allowan...
    • Cash and cash equivalents
    • Securities, at fair value
    • Others
Liabilities Breakdown
    • Deposits interest bearing
    • Deposits non-interest bearing
    • Retained earnings
    • Others
Balance Sheets
2025-09-30
2025-06-30
Cash and due from banks
3,296
2,926
Interest earning deposits
80,342
72,441
Cash and cash equivalents
83,638
75,367
Securities, at fair value
56,049
55,323
Federal home loan bank stock, at cost
763
763
Total gross loans
554,397
-
Net deferred loan costs
3,083
-
Allowance for credit losses on loans
4,869
-
Loans receivable, net of allowance for credit losses of 4,869 in 2025 and 5,133 in 2024
552,611
552,389
Premises and equipment, net
7,217
7,325
Accrued interest receivable
3,003
2,878
Bank-owned life insurance
29,287
29,778
Other assets
10,234
11,015
Total assets
742,802
734,838
Deposits interest bearing
501,293
536,040
Deposits non-interest bearing
89,052
91,459
Total deposits
590,345
627,499
Long-term debt
2,000
2,000
Advances from borrowers for taxes and insurance
1,439
3,066
Other liabilities and accrued interest payable
9,712
9,389
Total liabilities
603,496
641,954
Common stock, 0.01 par value per share, 40,000,000 shares authorized at september 30, 2025 and 25,000,000 shares authorized at december 31, 2024 7,825,501 shares issued and 7,825,501 shares outstanding at september 30, 2025 and 9,262,793 shares issued and 7,770,658 shares outstanding at december 31, 2024
78
68
Additional paid-in capital
65,878
31,568
Treasury stock, at cost (no shares at september 30, 2025 and 1,492,135 shares at december 31, 2024)
0
13,099
Unearned shares held by esop
4,784
896
Unearned shares held by compensation plans
395
439
Retained earnings
87,121
85,420
Accumulated other comprehensive loss
-8,592
-9,738
Total stockholders' equity
139,306
92,884
Total liabilities and stockholders' equity
742,802
734,838
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Balance Sheets

Total gross loans$554,397K Interest earningdeposits$80,342K Cash and due frombanks$3,296K Net deferred loancosts$3,083K Loans receivable, netof allowance for...$552,611K Cash and cashequivalents$83,638K Securities, at fair value$56,049K Bank-owned life insurance$29,287K Other assets$10,234K Premises and equipment,net$7,217K Accrued interestreceivable$3,003K Federal home loan bankstock, at cost$763K Allowance for creditlosses on loans$4,869K Total assets$742,802K Total liabilities andstockholders' equity$742,802K Total liabilities$603,496K Total stockholders'equity$139,306K Accumulated othercomprehensive loss-$8,592K Unearned shares held byesop$4,784K Unearned shares held bycompensation plans$395K Total deposits$590,345K Other liabilities andaccrued interest...$9,712K Long-term debt$2,000K Advances from borrowersfor taxes and...$1,439K Retained earnings$87,121K Additional paid-in capital$65,878K Common stock, 0.01 parvalue per share,...$78K Deposits interestbearing$501,293K Deposits non-interestbearing$89,052K

Lake Shore Bancorp, Inc. MD (LSBK)

Lake Shore Bancorp, Inc. MD (LSBK)