What SEC filings does Lake Shore Bancorp, Inc. submit to the SEC?

Lake Shore Bancorp, Inc. (LSBK) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about LSBK?

A Form 4 for LSBK discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from Lake Shore Bancorp, Inc.?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for LSBK?

The 10-K is Lake Shore Bancorp, Inc.'s annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all LSBK SEC filings directly on EDGAR?

You can view all historical Lake Shore Bancorp, Inc. filings on the SEC EDGAR company page for LSBK. Each filing card on this page links directly to the original SEC document.

How often does Lake Shore Bancorp, Inc. file with the SEC?

Lake Shore Bancorp, Inc. files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling LSBK shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

LSBK SEC Filing News — Lake Shore Bancorp, Inc.

Latest SEC filings for Lake Shore Bancorp, Inc. (LSBK) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-09-09.

Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer …

Sector: Financial Services Industry: Banks - Regional Market Cap: $143.2M CIK: 2059653

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

What you're looking at: Each item below is parsed from an actual SEC filing submitted by Lake Shore Bancorp, Inc.. Form 4 = confirmed insider transaction · Form 144 = proposed sale notice · 8-K = material event (earnings, M&A, leadership change, etc.) · 10-Q / 10-K = quarterly / annual report.

LSBK Filing Activity Snapshot 2026-03-20 — 2026-09-09

Insider Transactions (Form 4)

0 buys vs 0 sells

Insider buying and selling activity is balanced in this period.

Insider Transactions 12 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 12 filings in this group are Form 4s for Lake Shore Bancorp, Inc.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 12 insider filings shown, the breakdown is 7 compensation award, 3 option exercise and 2 tax withholding. None of the classified filings involved a discretionary open-market trade, so this period says nothing about what insiders think of the price.

What each transaction type means

Compensation award ×7: Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.
Option exercise ×3: The insider converted options into shares. The exercise price was fixed when the options were granted, so the timing usually tracks an expiry schedule.
Tax withholding ×2: Shares were withheld by the company to settle tax due when equity vested. This is an automatic administrative step and not a decision to sell.

Form 4 Option exercise Tax / Compensation Filing 2026-09-09

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Sanvidge Kevin M. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

The insider converted options into shares. The exercise price was fixed when the options were granted, so the timing usually tracks an expiry schedule.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`M`	Option exercise	14,563	$10.62	$154.7K
`M`	Option exercise derivative · Option (right to buy)	14,563	—	—

Filing: Form 4 (Insider Transaction) Insider: Sanvidge Kevin M. (Director) Shares: 14,563

View on SEC EDGAR → Open Filing Document →

Form 4 Option exercise Tax / Compensation Filing 2026-08-25

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Werdein Jeffrey M. (EVP-Commercial Division) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

The insider converted options into shares. The exercise price was fixed when the options were granted, so the timing usually tracks an expiry schedule.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`M`	Option exercise	23,132	$10.62	$245.7K
`F`	Tax withholding on vested shares	16,525	$17.25	$285.1K
`M`	Option exercise derivative · Option (right to buy)	23,132	—	—

Filing: Form 4 (Insider Transaction) Insider: Werdein Jeffrey M. (EVP-Commercial Division) Shares: 39,657

View on SEC EDGAR → Open Filing Document →

Form 4 Option exercise Tax / Compensation Filing 2026-06-04

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Brautigam Sharon E (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

The insider converted options into shares. The exercise price was fixed when the options were granted, so the timing usually tracks an expiry schedule.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`M`	Option exercise	1,028	$7.89	$8.1K
`M`	Option exercise derivative · Stock Option (Right to Buy)	1,028	—	—

Filing: Form 4 (Insider Transaction) Insider: Brautigam Sharon E (Director) Shares: 1,028

View on SEC EDGAR → Open Filing Document →

Form 4 Tax withholding Tax / Compensation Filing 2026-04-24

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Shares were withheld by the company to settle tax due when equity vested. This is an automatic administrative step and not a decision to sell.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`F`	Tax withholding on vested shares	302	$15.85	$4.8K

Filing: Form 4 (Insider Transaction) Insider: Werdein Jeffrey M. (EVP-Commercial Division) Shares: 302

View on SEC EDGAR → Open Filing Document →

Form 4 Tax withholding Tax / Compensation Filing 2026-04-24

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

LIDDELL KIM C (Insider) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were withheld by the company to settle tax due when equity vested. This is an automatic administrative step and not a decision to sell.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`F`	Tax withholding on vested shares	631	$15.85	$10.0K

Filing: Form 4 (Insider Transaction) Insider: LIDDELL KIM C (Insider) Shares: 631

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Passafaro Ronald J (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	573	—	—

Filing: Form 4 (Insider Transaction) Insider: Passafaro Ronald J (Director) Shares: 573

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Gilden Taylor M (CFO and Treasurer) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	3,028	—	—

Filing: Form 4 (Insider Transaction) Insider: Gilden Taylor M (CFO and Treasurer) Shares: 3,028

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

LIDDELL KIM C (Insider) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	6,285	—	—

Filing: Form 4 (Insider Transaction) Insider: LIDDELL KIM C (Insider) Shares: 6,285

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	3,025	—	—

Filing: Form 4 (Insider Transaction) Insider: Werdein Jeffrey M. (EVP-Commercial Division) Shares: 3,025

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Brautigam Sharon E (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	527	—	—

Filing: Form 4 (Insider Transaction) Insider: Brautigam Sharon E (Director) Shares: 527

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

Mehltretter John L (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	667	—	—

Filing: Form 4 (Insider Transaction) Insider: Mehltretter John L (Director) Shares: 667

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-03-20

LSBK insider Form 4 filed for equity award, exercise, or tax withholding

McGrath John P (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	589	—	—

Filing: Form 4 (Insider Transaction) Insider: McGrath John P (Director) Shares: 589

View on SEC EDGAR → Open Filing Document →

Material Events 6 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There are 6 in this period for Lake Shore Bancorp, Inc. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-07-24

LSBK filed 8-K — material company event

Lake Shore Bancorp, Inc. /MD/ filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-07-22

LSBK filed 8-K — material company event

Lake Shore Bancorp, Inc. /MD/ filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-05-20

LSBK filed 8-K — material company event

Lake Shore Bancorp, Inc. /MD/ filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-05-20

LSBK filed 8-K — material company event

Lake Shore Bancorp, Inc. /MD/ filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-04-24

LSBK filed 8-K — material company event

Lake Shore Bancorp, Inc. /MD/ filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-04-22

LSBK filed 8-K — material company event

Lake Shore Bancorp, Inc. /MD/ filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Periodic Reports 2 · Forms 10-K and 10-Q

The periodic reports are where the audited and reviewed financial statements live. This period contains 2 quarterly reports (10-Q) for Lake Shore Bancorp, Inc.

The two are not equivalent in weight. A 10-K is audited by an external firm and includes the full risk factor disclosure, business description and management discussion; a 10-Q is unaudited, reviewed rather than examined, and much shorter. When a figure in a quarterly report is later revised, the annual report is usually where the correction appears.

An amended report — 10-K/A or 10-Q/A — restates or corrects something in the original filing, and is worth reading against the version it replaces.

Form 10-Q Quarterly Report 2026-08-11

LSBK filed Quarterly Report (10-Q)

Lake Shore Bancorp, Inc. /MD/ filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

Form 10-Q Quarterly Report 2026-05-12

LSBK filed Quarterly Report (10-Q)

Lake Shore Bancorp, Inc. /MD/ filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

How we classify Lake Shore Bancorp, Inc.'s filings

Straight from EDGAR

Each displayed record links to an original source document. StrongBuyAnalytics provides navigation and brief excerpts or summaries, not the filing itself. Parsing may omit context or contain errors, so read the original document in full.

Transaction codes, not guesswork

The nature shown on each insider filing comes from the transaction code the filer entered on the form itself — P for an open-market purchase, A for a compensation award, F for shares withheld to pay tax, M for an option exercise. Where one filing contains several codes, the transaction table lists them line by line.

Why the distinction matters

Insider activity is routinely summarised as buying or selling, which flattens together decisions that mean very different things. Shares withheld for tax on a vesting grant are an automatic administrative step; shares bought on the open market are someone committing their own money at the current price.

What this page does not tell you

A filing records what happened, not why. Form 4 does not always disclose whether a sale was executed under a pre-arranged Rule 10b5-1 plan, and no single filing is a basis for a decision on LSBK. Read these alongside the fundamentals rather than in isolation.

Frequently Asked Questions — LSBK SEC Filings

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LSBK Full Analysis

Publisher, sources & limitations — September 15, 2026. StrongBuyAnalytics provides navigation and brief excerpts or summaries for educational use. Original filings remain at SEC EDGAR or other displayed source links; StrongBuyAnalytics does not author them. Filing dates are source dates, not publication dates for this page. Coverage can be delayed, incomplete, amended, or unavailable because of SEC/source availability, parsing, caching, or outages. Verify every material statement in the original filing.

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