Risk factors
Lake Shore Bancorp (LSBK) risk factors
Item 1A of every Lake Shore Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors37 risks
Credit concentration dominates: 61.9% of gross loans are commercial, while 94.5% are real-estate secured in Western New York.
Filed Mar 17, 2026