Lake Shore Bancorp, Inc. /MD/
For the period ended Mar 31, 2026. Filed May 12, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 12, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2025-09-30; filed 2025-11-12.
0001193125-25-277623
Item 1A. Risk FactorsUNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDSCurrent report: 10-Q
Period ended 2026-03-31; filed 2026-05-12.
0001193125-26-219601
Item 1A. Risk FactorsUNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDSThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 6 previous paragraphs and 6 current paragraphs.
4 unchanged; 1 reworded; 1 added; 1 removed; 0 previous and 0 current paragraphs rearranged.
Tables are not compared: 1 previous and 1 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
The current filing states there were no material changes to risk factors.
This is the filer’s own statement, not a conclusion from the comparison. Read its qualifications and the report it references.
Current filing’s statement
There have been no material changes to the risk factors since the filing of the Annual Report on Form 10-K for the year ended December 31, 2025.
Added paragraphs (1)
Current report
(1)Shares purchased represent shares that were elected to be withheld from the vesting of restricted stock awards to cover income tax withholdings for the individuals upon vesting. Shares were repurchased into authorized and unissued shares.
Removed paragraphs (1)
Previous report
(1)On August 13, 2021, our Board of Directors adopted a stock repurchase program. The stock repurchase program authorized the Company to repurchase up to an aggregate of 144,062 shares, or approximately 5% of its outstanding shares, excluding the shares held by Lake Shore, MHC. The Company’s stock repurchase program was terminated effective July 18, 2025 in connection with the consummation of the conversion of Lake Shore, MHC from mutual-to-stock form.
Reworded paragraphs (1)
Previous wording
The following table reports information regarding repurchases by Lake Shore Bancorp of its common stock in each month of the quarter ended September 30, 2025. The Company’s stock repurchase program was terminated effective July 18, 2025 in connection with the consummation of the conversion of Lake Shore, MHC from mutual-to-stock form. Share amounts disclosed herein related to periods prior to the date of conversion (July 18, 2025) have been adjusted to give the retroactive recognition to the exchange ratio applied in the conversion (1.3549).
Current wording
The following table reports information regarding repurchases by Lake Shore Bancorp of its common stock in each month of the quarter ended March 31, 2026.