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美国
证券交易委员会
华盛顿特区 20549

表格 8-K

当前报告

根据1934年证券交易法第13条或第15(d)条

\n \n \n \n \n \n

报告日期（最早事件报告日期）： 2026年10月21日

Lake Shore Bancorp, Inc.

（注册人根据其章程指定的名称）

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n	\n	\n
马里兰州	001-42754	39-3058424
(州或其他司法管辖区成立)	(委员会文件编号)	(联邦税务局雇主识别编号)

31 East Fourth Street
Dunkirk, 纽约州		14048
(主要执行办公室地址)		(邮政编码)

\n \n \n \n \n \n

注册人的电话号码，包括区号： 716 3664070

\n \n \n \n \n \n

不适用

(如果自上次报告以来名称或地址已更改，请填写原名称或原地址)

如果本8-K表格的提交旨在同时满足注册人在以下任何规定下的提交义务，请在下面的适当方框中打勾：

☐根据证券法第425条规则的书面沟通（17 CFR 230.425）

☐根据交易法第14a-12条规则的征求材料（17 CFR 240.14a-12）

☐根据交易法第14d-2(b)条规则的开始前沟通（17 CFR 240.14d-2(b))

☐根据交易法第13e-4(c)条规则的开始前沟通（17 CFR 240.13e-4(c))

根据证券交易法第12(b)条注册的证券：

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n	\n	\n
每类证券的名称		交易符号		每类证券注册的交易所名称
面值为每股0.01美元的普通股		LSBK		纳斯达克股票市场有限责任公司

通过勾选方框表明注册人是否是根据1933年证券法第405条（§ 230.405）或1934年证券交易法第12b-2条（§ 240.12b-2）定义的新兴成长公司。

新兴成长公司 ☐

如果为新兴成长公司，请通过勾选方框表明注册人是否已选择不使用根据交易法第13(a)条提供的任何新修订的财务会计标准的延长过渡期。☐

第2.02项运营结果和财务状况。

Lake Shore Bancorp, Inc.（“公司”）于2026年10月21日发布了新闻稿，披露了截至2026年9月30日止季度的运营结果和财务状况。

本新闻稿作为本文件的附录99.1附上。

第9.01项财务报表和附录。

(d) 附录

99.1 2026年10月21日发布的Lake Shore Bancorp, Inc.新闻稿

104 封面页面交互式数据文件（嵌入在Inline XBRL文档中）

签名

根据1934年证券交易法的要求，注册人已 duly 促使本报告由此处 duly 授权的代表签署。

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n	\n
			Lake Shore Bancorp, Inc.

日期：	2026年10月21日	由：	/s/ Taylor M. Gilden
			Taylor M. Gilden，首席财务官兼司库

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表格 8-K

第2.02项 运营结果和财务状况。

第9.01项 财务报表和附录。

第2.02项运营结果和财务状况。

第9.01项财务报表和附录。