UNITED ~~STATES~~STATESSECURITIES AND EXCHANGE COMMISSIONWASHINGTON, D.C. 20549

SECURITIESFORM AND EXCHANGE COMMISSION8-K

~~Washington,~~CURRENT ~~D.C. 20549~~REPORT

~~FORM~~Pursuant ~~8-K~~to Section 13 or 15(d) of the Securities Exchange Act of 1934

~~CURRENT~~Date ~~REPORT~~of Report (Date of earliest event reported): May 21, 2025

~~PURSUANT~~Lake TOShore ~~SECTION~~Bancorp, ~~13 OR 15(d)~~Inc.

OF(Exact ~~THE~~name ~~SECURITIES~~of ~~EXCHANGE~~Registrant ~~ACT~~as OFSpecified ~~1934~~in Its Charter)

Date of report (Date of earliest event reported): May 14, 2025


United States	000-51821	20-4729288
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

31 East Fourth Street
Dunkirk, New York		14048
(Address of Principal Executive Offices)		(Zip Code)

~~LAKE~~Registrant’s ~~SHORE~~Telephone ~~BANCORP~~Number, ~~INC.~~Including Area Code: 716 366-4070

(~~Exact~~Former ~~name~~Name ofor ~~registrant~~Former asAddress, ~~specified~~if inChanged ~~its~~Since ~~charter~~Last Report)

United States		000-51821		20-4729288
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

31☐Written ~~East~~communications ~~Fourth~~pursuant ~~Street,~~to ~~Dunkirk,~~Rule NY425 ~~14048~~under the Securities Act (17 CFR 230.425)

~~(Address~~☐Soliciting ofmaterial ~~principal~~pursuant ~~executive~~to ~~offices)~~Rule 14a-12 under the Exchange Act (~~Zip~~17 ~~Code~~CFR 240.14a-12)

~~Registrant’s~~☐Pre-commencement ~~telephone~~communications ~~number,~~pursuant ~~including~~to ~~area~~Rule ~~code:~~ 14d-2(~~716~~b) ~~366~~under the Exchange Act (17 CFR 240.14d-~~4070~~2(b))

~~Not~~☐Pre-commencement ~~Applicable~~communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

~~(Former~~Securities ~~name~~registered orpursuant ~~former~~to ~~address,~~Section if12(b) ~~changed~~of ~~since~~the ~~last report)~~Act:

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common stock, par value $0.01 per share	LSBK	The Nasdaq Stock Market LLC

☐Indicate ~~Written~~by ~~communications~~check ~~pursuant~~mark towhether the registrant is an emerging growth company as defined in Rule ~~425~~405 ~~under~~of the Securities Act ~~(17~~of ~~CFR~~1933 (§ 230.~~425~~405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

☐Emerging ~~Soliciting~~growth ~~material~~company ~~pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)~~☐

☐If ~~Pre-commencement~~an ~~communications~~emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to ~~Rule~~Section ~~14d-2~~13(ba) ~~under~~of the Exchange Act ~~(17 CFR 240~~.~~14d-2(b))~~ ☐

☐Item Pre-commencement7.01 communicationsRegulation pursuantFD to Rule 13e-4 (c) under the Exchange Act (17 CFR 240Disclosure.13e-4(c))

~~Securities~~On ~~registered~~May ~~pursuant~~21, to2025, ~~Section 12~~Lake Shore Bancorp, Inc. (bthe "Company") ofwill ~~the~~hold ~~Act~~its annual shareholders' meeting at Lake Shore Bancorp, Inc., 31 East Fourth Street, Dunkirk, New York 14048 at 8:30 a.m., Eastern Time.

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $0.01 per share		LSBK		The Nasdaq Stock Market LLC

A copy of management's presentation to be made at the meeting is attached as Exhibit 99.1 hereto.

IndicateItem by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§2309.40501 ofFinancial thisStatements chapter)and or Rule 12b-2 of the Securities Exchange Act of 1934 (§240Exhibits.12b-2 of this chapter).

~~Emerging growth company ☐~~(d) Exhibits

If99.1 Management's anPresentation ~~emerging~~for ~~growth company, indicate by check mark if~~ the ~~registrant~~annual ~~has~~shareholders' ~~elected~~meeting ~~not~~of toLake ~~use~~Shore ~~the~~Bancorp, ~~extended~~Inc. ~~transition~~on ~~period~~May ~~for~~21, ~~complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act~~2025. ☐

~~Item~~104 Cover ~~1.01~~Page ~~Entry~~Interactive ~~Into~~Data aFile ~~Material~~(embedded ~~Definitive~~within ~~Agreement~~the Inline XBRL document)

On May 14, 2025, Lake Shore Bancorp, Inc., a Maryland corporation (the “Company”), Lake Shore Bancorp, Inc., a Federal corporation, Lake Shore, MHC (the “MHC”) and Lake Shore Savings Bank entered into an Agency Agreement with Raymond James & Associates, Inc. (“Raymond James”). Raymond James will assist in the marketing of the Company’s common stock during the Company’s stock offering in connection with the MHC’s pending conversion from a mutual holding company to a stock holding company. SIGNATURES

~~For~~Pursuant ~~its~~to ~~marketing~~the ~~agent~~requirements ~~services, Raymond James will receive a success fee~~ of ~~1.35% of~~ the ~~aggregate~~Securities ~~dollar~~Exchange ~~amount~~Act of ~~shares~~1934, ~~sold in~~ the ~~subscription~~registrant ~~and~~has ~~community~~duly ~~offerings.~~caused Nothis ~~fee~~report ~~will~~to be ~~payable~~signed ~~to Raymond James with respect to shares purchased by or~~ on its behalf of officers, directors, employees or the immediate family of such persons (which for these purposes includes the spouse, parents, siblings and children who live in the same house as the individual), or trusts of or companies controlled by ~~such persons, and qualified and non-qualified employee benefit plans. If~~ the ~~Company~~undersigned ~~conducts~~hereunto aduly ~~syndicated community offering, the Company will pay a fee of 6~~authorized.~~00% of the aggregate dollar amount of common stock sold in the syndicated community offering.~~

In addition, Raymond James will receive a fee of $30,000 for records agent services, as well as reimbursements, subject to certain limitations, for out-of-pocket expenses and legal expenses related to its marketing agent services and its records agent services.


			Lake Shore Bancorp, Inc.

Date:	May 21, 2025	By:	/s/ Taylor M. Gilden
			Taylor M. Gilden, Chief Financial Officer and Treasurer

The shares of common stock are being offered pursuant to a Registration Statement on Form S-1, as amended (Registration No. 333-285836), filed by the Company under the Securities Act of 1933, as amended, and declared effective by the Securities and Exchange Commission on May 14, 2025.

The foregoing description of the terms of the Agency Agreement is qualified in its entirety by reference to the Agency Agreement, which is filed as Exhibit 1.1 hereto and incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

Exhibit		Description
1.1		Agency Agreement dated May 14, 2025, by and among Lake Shore Bancorp, Inc., a Maryland corporation, Lake Shore Bancorp, Inc., a Federal corporation, Lake Shore, MHC, Lake Shore Savings Bank and Raymond James & Associates, Inc. (exhibits omitted)
104		The cover page for this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Company has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Lake Shore Bancorp, Inc. By: /s/ Taylor Gilden Taylor Gilden Title: Chief Financial Officer and Treasurer

Date: May 20, 2025

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