What Lake Shore Bancorp, Inc. /MD/ does.

This annual report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on Lake Shore Bancorp, Inc.’s current expectations regarding its business strategies, intended results and future performance. Words such as anticipates, expects, intends, plans, believes, estimates and variations of such words and expressions are intended to identify forward-looking statements. Such statements reflect management's current views of future events and operations. These forward-looking statements are based on information currently available as of the date of this report. It is important to note that these forward-looking statements are not guarantees of future performance and involve and are subject to significant risks, contingencies, and uncertainties, many of which are difficult to predict and are generally beyond our control. Potential risks and uncertainties that could cause our actual results to differ from those anticipated in any forward-looking statements include, but are not limited to, data loss or other security breaches, including a breach of our operational or security systems, policies or procedures, including cyber-attacks on us or on our third party vendors or service providers, economic conditions, the effect of changes in monetary and fiscal policy, inflation, tariffs, unanticipated changes in our liquidity position, climate change, public health issues, geopolitical conflict, increased unemployment, deterioration in the credit quality of the loan portfolio and/or the value of the collateral securing repayment of loans, reduction in the value of investment securities, the cost and ability to attract and retain key employees, regulatory or legal developments, tax policy changes, dividend policy changes, and our ability to implement and execute our business plan and strategy and expand our operations. These factors should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements, as our financial performance could differ materially due to various risks or uncertainties. We do not undertake to publicly update or revise our forward-looking statements if future changes make it clear that any projected results expressed or implied therein will not be realized.

Revenue and profit, by fiscal year.

More on LSBK.

• Lake Shore Bancorp, Inc. /MD/ summary
• Lake Shore Bancorp, Inc. /MD/ financial statements
• Lake Shore Bancorp, Inc. /MD/ key metrics
• Lake Shore Bancorp, Inc. /MD/ health scores and style box
• Lake Shore Bancorp, Inc. /MD/ earnings
• Lake Shore Bancorp, Inc. /MD/ dividends
• Lake Shore Bancorp, Inc. /MD/ valuation
• Lake Shore Bancorp, Inc. /MD/ ownership and insiders
• Lake Shore Bancorp, Inc. /MD/ peers

Figures from Lake Shore Bancorp, Inc. /MD/'s filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.