Taylor M. Gilden - 18 Jul 2025 Form 3 Insider Report for Lake Shore Bancorp, Inc. /MD/

Role: Chief Financial Officer
Signature: /s/ Taylor M. Gilden
Issuer symbol: LSBK on Nasdaq
Transactions as of: 18 Jul 2025
Net transactions value: $0
Form type: 3
Filing time: 18 Jul 2025, 17:15:09 UTC
Previous filing: 14 Mar 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Gilden Taylor M	Chief Financial Officer	C/O 31 EAST FOURTH STREET, DUNKIRK	/s/ Taylor M. Gilden	18 Jul 2025	0001988345

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	LSBK	Common Stock						19,375	18 Jul 2025	Direct	F1, F2, F3
holding	LSBK	Common Stock						2,522	18 Jul 2025	By IRA	F3
holding	LSBK	Common Stock						372	18 Jul 2025	By ESOP	F3, F4

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Includes 3,717 shares of restricted stock which vest in four equal annual installments beginning on March 12, 2026.
F2	Includes 4,245 remaining shares of restricted stock that were granted on April 23, 2024 and vest in four equal annual installments beginning on the first anniversary of the grant. 1,414 shares vested on April 23, 2025.
F3	Reflects a 1.3549 to 1.00 stock exchange in connection with the Company's mutual to stock conversion.
F4	These shares were acquired pursuant to an Employee Stock Ownership Plan Allocation.