As of November 6, 2026, Lake Shore Bancorp, Inc. /MD/ is a publicly traded company (Nasdaq: LSBK). The largest holder reporting an active stake on Schedule 13D is Stilwell Joseph, at 9.9%. No bankruptcy or receivership appears in its SEC Form 8-K filings. Passive holders reporting on Schedule 13G include Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. (7.8%), AllianceBernstein (5.7%) (Schedule 13D/A, March 18, 2026).
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Is Lake Shore Bancorp, Inc. /MD/ a real, registered company?
- Lake Shore Bancorp Inc files with the SEC under CIK 2059653 (its SEC filings).
- Its shares are listed under the ticker LSBK on Nasdaq (SEC company record).
- Incorporated in Maryland; business address in Dunkirk, New York, as its SEC filings state.
- Court and bankruptcy records: see Before you sign or pay below.
Before you sign or pay
- Court and bankruptcy: No federal court case or bankruptcy filing found under Lake Shore Bancorp Inc in our court records and SEC 8-K records (as of 2026-11-06).
- Ownership: 5%+ holders are reported on Schedule 13D or 13G; the latest names AllianceBernstein (filed 2026-05-18).
Who are Lake Shore Bancorp, Inc. /MD/'s owners and officers?
Lake Shore Bancorp, Inc. /MD/: incorporated in Maryland; business address in Dunkirk, New York; industry Savings Institution, Federally Chartered (Schedule 13G, 2026-05-18).
| Report | Holder | Share |
|---|---|---|
| Schedule 13G, 2026-05-18 | Alliancebernstein L.P. | 5.7% |
| Schedule 13D/A, 2026-03-18 | Stilwell Joseph | 9.9% |
| Schedule 13D/A, 2026-02-18 | Stilwell Joseph | 9.9% |
| Schedule 13G, 2025-11-14 | Employee Stock Ownership Plan Trust Of Lake Shore Bancorp, Inc. | 7.8% |
| Schedule 13D/A, 2025-10-06 | Stilwell Joseph | 9.9% |
| Schedule 13D, 2025-07-30 | Stilwell Joseph | 9.4% |
Questions about who owns Lake Shore Bancorp, Inc. /MD/
Who owns Lake Shore Bancorp, Inc. /MD/?
On this page, 3 holders' latest ownership filings report 5% or more of Lake Shore Bancorp, Inc. /MD/: 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. /MD/?
By the share each holder's latest filing reports, the largest holders of Lake Shore Bancorp, Inc. /MD/ 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. /MD/?
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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Which insiders own Lake Shore Bancorp, Inc. /MD/ shares?
Directors, officers and holders of 10% or more report their shares on Forms 3, 4 and 5. Each line is the latest such report, largest holding first.
- Kim C. Liddell: 123,977 shares (1.6% of shares outstanding), 70,367 held directly and 53,610 indirectly (Form 4, 2026-04-24).
- , a director: 90,800 shares (1.2% of shares outstanding), 10,873 held directly and 79,927 indirectly (Form 4, 2026-03-20).
- , the executive vice president-commercial division: 90,644 shares (1.2% of shares outstanding), 60,862 held directly and 29,782 indirectly (Form 4, 2026-08-25).
- , a director: 88,532 shares (1.1% of shares outstanding), 6,692 held directly and 81,840 indirectly (Form 4, 2026-03-20).
- , a director: 75,037 shares (0.96% of shares outstanding), 71,887 held directly and 3,150 indirectly (Form 4, 2026-09-09).
Shares outstanding: 7,853,788 as of 2026-08-06, from the company's latest SEC cover page.
How much has Lake Shore Bancorp, Inc. /MD/ raised?
Latest IPO step: Lake Shore Bancorp, Inc. /MD/ amended its IPO registration (S-1/A, 2025-05-09).
IPO filings: S-1/A, 2025-05-09, S-1/A, 2025-04-29, S-1, 2025-03-14.
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More on Lake Shore Bancorp, Inc. /MD/ and the records around it.
Lake Shore Bancorp, Inc. /MD/ elsewhere on the record
- 5%+ stake filings May 2026
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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