v3.26.1
Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2025
Regulatory Capital Requirements [Abstract]  
Schedule of Actual and Required Capital Amounts and Ratios

Actual and required capital amounts and ratios are presented below as of December 31, 2025 and December 31, 2024.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

 

To Be Well Capitalized Under Prompt Corrective Action Regulations (CBLR Framework)

 

 

 

Capital Amount

 

 

Ratio

 

 

Capital Amount

 

 

Ratio

 

 

 

(Dollars in thousands)

 

 

(Dollars in thousands)

 

2025

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital to average total assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lake Shore Bank

 

$

 

124,696

 

 

 

16.65

%

 

 

 

67,399

 

 

 

9.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital to average total assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lake Shore Bank

 

$

 

97,244

 

 

 

13.83

%

 

 

 

63,271

 

 

 

9.00

%