As of November 6, 2026, 3 holders' latest Schedule 13D or 13G filings report owning 5% or more of Lake Shore Bancorp Inc. The largest reported stake is Stilwell Joseph's, at 9.9%. 6 filings are on record since July 30, 2025 (Schedule 13D/A, March 18, 2026).
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Key facts
- · Holder: AllianceBernstein L.P. · Percent: 5.7% · SCHEDULE 13G
- · Holder: Stilwell Joseph · Percent: 9.9% · SCHEDULE 13D/A
- · Holder: Stilwell Joseph · Percent: 9.9% · SCHEDULE 13D/A
- · Holder: Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. · Percent: 7.8% · SCHEDULE 13G
- · Holder: Stilwell Joseph intent stated · Percent: 9.9% · SCHEDULE 13D/A
Lake Shore Bancorp Inc has 6 Schedule 13D or 13G filings on record since 2025-07-30. 3 holders' latest filing reports 5% or more of common stock. Each figure below is the holder's own, as filed, with the filing linked.
Stated intent
Intent stated in Item 4 Stilwell Joseph
We are filing this First Amendment to report that following an unproductive meeting with management, after due consideration, we intend to seek board representation at the Issuer's 2026 annual meeting of shareholders.From Item 4 of the SCHEDULE 13D/A filed 2025-10-06
Holders
| Holder | Percent | Shares | Latest | Event date |
|---|---|---|---|---|
| 9.9% | 773,675 | SCHEDULE 13D/A, 2026-03-18 | 2026-03-17 | |
| Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. | 7.8% | 607,459 | SCHEDULE 13G, 2025-11-14 | 2025-09-30 |
| AllianceBernstein L.P. | 5.7% | 448,959 | SCHEDULE 13G, 2026-05-18 | 2026-03-31 |
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More on Lake Shore Bancorp Inc and the records around it.
Lake Shore Bancorp Inc elsewhere on the record
Companies that share a holder
- Stilwell Activist Fund, L.P. also filed stake reports on 8 other companies: Catalyst Bancorp, Inc. (Aug 2026), Wheeler Real Estate Investment Trust, Inc. (Aug 2026), CSB Financial Inc. (Aug 2026)
- AllianceBernstein L.P. also filed stake reports on 82 other companies: New Fortress Energy Inc (Nov 2026), RIVERNORTH OPPORTUNITIES FUND, INC. (Oct 2026), Trex Co Inc (Sep 2026)
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Purpose of Transaction (Item 4)
Stilwell Joseph
We are filing this Third Amendment to report that pursuant to an Agreement with the Issuer dated March 17, 2026 (the "Standstill Agreement"), Dennis Pollack, an individual selected by the Group, has been appointed to the board of directors of the Issuer. The Issuer has also agreed to nominate and support the election of Mr. Pollack to the Issuer's board of directors at the Issuer's upcoming 2026 annual meeting of stockholders (the "2026 Annual Meeting"). Accordingly, we are withdrawing our nomination of Timothy J. Andruschat for election as a director at the 2026 Annual Meeting, as well as the stockholder proposal (the "Proposal"). On March 18, 2026, the Issuer filed a Form 8-K with the Securities and Exchange Commission (the "Form 8-K"), announcing the terms of the Standstill Agreement, which is attached as Exhibit 10 to the Form 8-K, and is incorporated herein by reference. The terms of the Standstill Agreement are more fully summarized below in Item 6. On February 17, 2026, we served our notice of intent to nominate Timothy J. Andruschat for election as a director at the 2026 Annual Meeting and submitted the Proposal calling for no acquisition of any other financial institution by the Issuer until such time as the Issuer's common stock consistently trades above its book value. On March 17, 2026, we entered into the Standstill Agreement with the Issuer. Our aim is to maximize shareholder value at the Issuer. Our purpose in acquiring shares of Common Stock of the Issuer …The first part of Item 4 of the SCHEDULE 13D/A filed 2026-03-18; the filing has the rest
Timeline
| Filed | Holder | Percent | Filing |
|---|---|---|---|
| 2025-07-30 | Stilwell Joseph | 9.4% | SCHEDULE 13D |
| 2025-10-06 | Stilwell Joseph intent stated | 9.9% | SCHEDULE 13D/A |
| 2025-11-14 | Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. | 7.8% | SCHEDULE 13G |
| 2026-02-18 | Stilwell Joseph | 9.9% | SCHEDULE 13D/A |
| 2026-03-18 | Stilwell Joseph | 9.9% | SCHEDULE 13D/A |
| 2026-05-18 | AllianceBernstein L.P. | 5.7% | SCHEDULE 13G |
Questions about who owns Lake Shore Bancorp Inc
Who owns Lake Shore Bancorp Inc?
On this page, 3 holders' latest ownership filings report 5% or more of Lake Shore Bancorp Inc: Stilwell Joseph (9.9%, Schedule 13D/A, filed 2026-03-18), Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. (7.8%, Schedule 13G, filed 2025-11-14) and AllianceBernstein L.P. (5.7%, Schedule 13G, filed 2026-05-18).
Who are the largest shareholders of Lake Shore Bancorp Inc?
By the share each holder's latest filing reports, the largest holders of Lake Shore Bancorp Inc on this page are Stilwell Joseph (9.9%), Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. (7.8%) and AllianceBernstein L.P. (5.7%).
When did Stilwell Joseph buy into Lake Shore Bancorp Inc?
The filings give report dates, not purchase dates. The earliest filing from Stilwell Joseph on this page is the Schedule 13D, filed 2025-07-30, reporting 9.4%; its latest, Schedule 13D/A filed 2026-03-18, reports 9.9%.
Is this an audit or a full list?
Neither. The ownership list on this page covers only Schedule 13D and 13G filings, which holders make once they own 5% or more of a class of shares (an amendment can report a stake that has since fallen below 5%); 6 such filings are shown here. It is not an audit and not a full cap table: holders who never reached 5% are not listed, and a stake can change after its latest filing.
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Where this comes from
Anyone who comes to own more than 5% of a class of a listed company's voting shares has to tell the SEC. A holder who may seek to change or influence the company files Schedule 13D, and has to say in Item 4, "Purpose of Transaction", what it intends to do. A holder with no such intent, such as many index and passive funds, may file the shorter Schedule 13G. Both are amended when the stake changes, including when it falls below 5%.
Every row here is one of those filings, linked to the filing itself. Percentages and share counts are exactly as the holder filed them, for the holder the filing names; an amendment showing a lower figure is shown as filed. Item 4 text is quoted word for word. Where a 13D's Item 4 contains a sentence stating a definite intent to influence the company, that sentence is marked and quoted; the page does not describe the holder or its motives beyond the words it filed. Nothing here is investment advice.