Lake Shore Bancorp, Inc. (LSBK) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 2.95M | 116.82M | 131.32M | 123.11M | 82.31M | 89.63M | 108.76M | 118.3M | 113.64M | 114.17M | 103.94M | 100.95M | 112.48M | 82.68M | 90.95M | 104.7M | 115.33M | 156.38M | 144.66M | 45.8M |
| Cash & Due from Banks | 2.95M | 64.28M | 83.64M | 75.37M | 30.43M | 33.13M | 49.98M | 60.99M | 54.95M | 53.73M | 46M | 35.58M | 38.74M | 9.63M | 19.68M | 27.16M | 30.77M | 67.58M | 60.98M | 45.8M |
| Short Term Investments | 50.68M | 52.54M | 47.69M | 47.74M | 51.88M | 56.49M | 58.78M | 57.31M | 58.68M | 60.44M | 57.94M | 65.37M | 73.74M | 73.05M | 71.27M | 77.54M | 84.56M | 88.8M | 83.68M | 0 |
| Total Investments | 604.56M | 607.98M | 600.56M | 600.31M | 603.64M | 601.12M | 597.79M | 601.65M | 614.14M | 616.27M | 622.8M | 634.88M | 648.16M | 646.58M | 632.44M | 624.74M | 634.85M | 606.02M | 608.35M | 624.89M |
| Investments Growth % | 0.15% | 1.14% | 0.46% | -0.22% | -1.71% | -2.46% | -4.02% | -5.23% | -5.25% | -4.69% | -1.52% | 1.62% | 2.1% | 6.69% | 3.96% | -0.02% | 3.47% | 0.43% | 6.19% | 11.42% |
| Long-Term Investments | 553.88M | 555.44M | 552.87M | 552.57M | 551.76M | 544.62M | 539M | 544.34M | 555.46M | 555.83M | 564.86M | 569.51M | 574.42M | 573.54M | 561.17M | 547.2M | 550.29M | 517.23M | 524.66M | 624.89M |
| Accounts Receivables | 3M | 3.01M | 3M | 2.88M | 2.93M | 2.82M | 2.89M | 2.83M | 2.98M | 2.83M | 2.89M | 2.72M | 2.83M | 2.8M | 2.59M | 2.38M | 2.43M | 2.48M | 2.64M | 2.86M |
| Goodwill & Intangibles | 0 | 0 | 169K | 172K | 175K | 177K | 180K | 184K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 169K | 172K | 175K | 177K | 180K | 184K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 6.92M | 7.05M | 7.22M | 7.33M | 7.34M | 7.22M | 7.31M | 7.49M | 7.68M | 7.87M | 8.04M | 8.21M | 8.24M | 8.29M | 8.38M | 8.48M | 8.64M | 8.74M | 9.89M | 9.93M |
| Other Assets | 155.26M | 107.6M | 48.22M | 48.78M | 44.48M | 41.04M | 39.45M | 37.9M | 37.83M | 44.41M | 33.83M | 32.65M | 32.35M | 32.62M | 32.64M | 31.74M | 30.77M | 28.91M | 27.45M | 27.4M |
| Total Current Assets | 5.95M | 64.28M | 134.33M | 125.98M | 85.24M | 92.44M | 111.65M | 121.13M | 116.62M | 117.01M | 106.83M | 103.67M | 115.31M | 85.48M | 93.54M | 107.08M | 117.76M | 158.87M | 147.3M | 48.66M |
| Total Non-Current Assets | 716.06M | 663.04M | 608.48M | 608.85M | 603.76M | 593.06M | 585.94M | 589.91M | 600.96M | 608.11M | 606.74M | 610.37M | 615M | 614.44M | 602.19M | 587.42M | 589.7M | 554.87M | 562.01M | 662.22M |
| Total Assets | 722.01M | 727.32M | 742.8M | 734.84M | 689M | 685.5M | 697.6M | 711.04M | 717.58M | 725.12M | 713.56M | 714.04M | 730.32M | 699.91M | 695.73M | 694.5M | 707.45M | 713.74M | 709.31M | 710.88M |
| Asset Growth % | 4.79% | 6.1% | 6.48% | 3.35% | -3.98% | -5.46% | -2.24% | -0.42% | -1.74% | 3.6% | 2.56% | 2.81% | 3.23% | -1.94% | -1.91% | -2.31% | 0.24% | 4.01% | 3.9% | 4.88% |
| Return on Assets (ROA) | 0.27% | 0.26% | 0.32% | 0.27% | 0.15% | 0.21% | 0.19% | 0.16% | 0.14% | 0.1% | 0.22% | 0.11% | 0.24% | 0.17% | 0.25% | 0.24% | 0.15% | 0.26% | 0.24% | 0.14% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 1.33M | 2M | 2M | 4M | 10.25M | 10.25M | 23.25M | 25.25M | 35.25M | 36.45M | 36.45M | 41.28M | 37.55M | 24.95M | 24.95M | 21.95M | 21.95M | 21.95M | 26.95M |
| Net Debt | -2.95M | -62.95M | -81.64M | -73.37M | -26.43M | -22.88M | -39.73M | -37.74M | -29.7M | -18.48M | -9.55M | 868K | 2.54M | 27.91M | 5.27M | -2.21M | -8.82M | -45.63M | -39.03M | -18.85M |
| Long-Term Debt | 0 | 594K | 2M | 2M | 4M | 10.25M | 10.25M | 23.25M | 25.25M | 35.25M | 36.45M | 36.45M | 39.25M | 24.95M | 24.95M | 24.95M | 21.95M | 21.95M | 21.95M | 26.95M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.03M | 12.6M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 577.28M | 581.58M | 11.15M | 12.46M | 11.6M | 12.41M | 9.91M | 11.46M | 11.12M | 12.67M | 11.1M | 12.23M | 10.51M | 11.06M | 9.26M | 10.66M | 10.02M | 10.63M | 9.11M | 11M |
| Total Current Liabilities | 566.62M | 320K | 590.35M | 627.5M | 582.73M | 572.98M | 587.56M | 589.39M | 594.7M | 590.92M | 584.16M | 581.97M | 597.24M | 582.72M | 583.36M | 578.27M | 592.82M | 593.18M | 591.75M | 586.48M |
| Total Non-Current Liabilities | 579.63M | 585.36M | 13.15M | 14.46M | 15.6M | 22.66M | 20.16M | 34.72M | 36.37M | 47.92M | 47.55M | 48.68M | 49.76M | 36.02M | 34.21M | 35.61M | 31.97M | 32.58M | 31.06M | 37.95M |
| Total Liabilities | 579.63M | 585.68M | 603.5M | 641.95M | 598.33M | 595.64M | 607.72M | 624.11M | 631.07M | 638.85M | 631.71M | 630.65M | 647M | 618.73M | 617.57M | 613.88M | 624.79M | 625.76M | 622.82M | 624.44M |
| Total Equity | 142.38M | 141.64M | 139.31M | 92.88M | 90.66M | 89.87M | 89.88M | 86.93M | 86.51M | 86.27M | 81.86M | 83.39M | 83.31M | 81.18M | 78.16M | 80.61M | 82.66M | 87.98M | 86.49M | 86.44M |
| Equity Growth % | 57.04% | 57.61% | 55% | 6.85% | 4.8% | 4.17% | 9.8% | 4.24% | 3.83% | 6.27% | 4.73% | 3.45% | 0.79% | -7.72% | -9.63% | -6.74% | -3.84% | 2.39% | 1.89% | 2.29% |
| Equity / Assets (Capital Ratio) | 19.72% | 19.47% | 18.75% | 12.64% | 13.16% | 13.11% | 12.88% | 12.23% | 12.06% | 11.9% | 11.47% | 11.68% | 11.41% | 11.6% | 11.23% | 11.61% | 11.68% | 12.33% | 12.19% | 12.16% |
| Return on Equity (ROE) | 1.35% | 1.38% | 2.03% | 2.09% | 1.17% | 1.63% | 1.51% | 1.29% | 1.17% | 0.89% | 1.9% | 0.98% | 2.05% | 1.5% | 2.23% | 2.06% | 1.24% | 2.08% | 1.96% | 1.15% |
| Book Value per Share | 19.25 | 19.04 | 18.21 | 12.14 | 11.84 | 11.56 | 11.76 | 10.90 | 10.92 | 11.20 | 10.33 | 10.53 | 10.45 | 10.50 | 9.79 | 10.08 | 10.45 | 11.41 | 10.85 | 10.77 |
| Tangible BV per Share | 19.25 | 19.04 | 18.19 | 12.12 | 11.82 | 11.54 | 11.74 | 10.88 | 10.92 | 11.20 | 10.33 | 10.53 | 10.45 | 10.50 | 9.79 | 10.08 | 10.45 | 11.41 | 10.85 | 10.77 |
| Common Stock | 79K | 78K | 78K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K |
| Additional Paid-in Capital | 65.69M | 65.58M | 65.88M | 31.57M | 31.54M | 31.51M | 31.49M | 31.48M | 31.46M | 31.46M | 31.46M | 31.45M | 31.44M | 31.46M | 31.44M | 31.41M | 31.37M | 31.35M | 31.32M | 31.27M |
| Retained Earnings | 89.66M | 88.4M | 87.12M | 85.42M | 83.5M | 82.81M | 81.7M | 80.72M | 79.97M | 78.96M | 78.21M | 76.64M | 75.82M | 74.86M | 74.13M | 72.71M | 71.34M | 70.59M | 69.03M | 67.62M |
| Accumulated OCI | -8.39M | -7.7M | -8.99M | -9.74M | -9.95M | -9.96M | -8.74M | -10.6M | -10.18M | -9.38M | -13.04M | -9.87M | -9.08M | -10.33M | -12.55M | -8.59M | -5.16M | 978K | 983K | 1.56M |
| Treasury Stock | 0 | 0 | 0 | -13.1M | -13.08M | -13.3M | -13.22M | -13.22M | -13.78M | -13.76M | -13.72M | -13.71M | -13.69M | -13.57M | -13.55M | -13.52M | -13.4M | -13.66M | -13.5M | -12.6M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |