<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/accounts-payable-and-accrued-liabilities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/accretion-amortization-of-discounts-and-premiums-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/accumulated-depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/activist-13d-13g-form-sc-13d</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/activist-13d-13g-form-sc-13g</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/additional-charges-for-securities-accounts</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/additional-paid-in-capital-common-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/advance-payments-by-borrowers-for-taxes-and-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/allocated-share-based-compensation-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/allowance-for-loan-and-lease-loss-recovery-of-bad-debts</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/allowance-for-loan-and-lease-losses-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/allowance-for-loan-and-lease-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/amended-reports-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/amortization-of-deferred-loan-origination-fees-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/amortization-of-esop-award</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/antidilutive-securities-excluded-from-computation-of-earnings-per-share-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/aoci</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-amortized-cost-basis</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-after-five-through-ten-years-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-after-five-through-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-after-one-through-five-years-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-after-one-through-five-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-after-ten-years-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-after-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-within-one-year-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-maturities-within-one-year-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-12-months-or-longer</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-12-months-or-longer-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-12-months-or-longer-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-less-than-12-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-less-than-12-months-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-less-than-12-months-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-debt-unrealized-loss-position-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-realized-gain-loss-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-realized-gains</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-realized-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-unrealized-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-unrealized-gains</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-unrealized-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-gross-unrealized-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-in-unrealized-loss-positions-qualitative-disclosure-number-of-positions-greater-than-or-equal-to-one-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-in-unrealized-loss-positions-qualitative-disclosure-number-of-positions-less-than-one-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-sold-at-par</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-12-months-or-longer-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-12-months-or-longer-aggregate-losses-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-12-months-or-longer-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-aggregate-losses-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-less-than-12-months-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-less-than-12-months-aggregate-losses-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-less-than-12-months-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-less-than-twelve-months-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/available-for-sale-unrealized-loss-position-twelve-months-or-longer-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/bank-owned-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/bank-owned-life-insurance-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/basic-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/buybacks-share-repurchases</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/buybacks-treasury-shares-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/buybacks-treasury-stock-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-expenditures</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-lease-obligations</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-interest-included-in-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-leases-future-minimum-payments-present-value-of-net-minimum-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-required-to-be-well-capitalized-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/capital-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-and-cash-equivalents-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-and-due-from-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-and-equivalents</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-and-restricted-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-and-restricted-cash-change-excluding-exchange-rate-effect</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-flow-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-reserve-deposit-required-and-made</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cash-surrender-value-of-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/common-dividends-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/common-equity-tier-one-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/common-equity-tier-one-capital-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/common-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/common-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/communication</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/comprehensive-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/comprehensive-income-net-of-tax-including-portion-attributable-to-noncontrolling-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/cover-page-shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/current-federal-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/current-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/current-state-and-local-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/debt-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/debt-repaid</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/debt-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-compensation-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-federal-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-income-tax-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-state-and-local-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-liabilities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-operating-loss-carryforwards</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-other-tax-carryforwards</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-stock-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-tax-credit-carryforwards-alternative-minimum-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-tax-deferred-expense-compensation-and-benefits-employee-benefits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-tax-deferred-expense-compensation-and-benefits-postretirement-benefits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-accrued-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-impairment-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-provision-for-loan-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-unrealized-losses-on-available-for-sale-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-assets-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-liabilities-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-liabilities-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-liabilities-prepaid-expenses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-liabilities-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deferred-tax-liabilities-tax-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/defined-benefit-plan-assumptions-used-calculating-benefit-obligation-discount-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/defined-contribution-plan-cost-recognized</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/deposits-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/depreciation-nonproduction</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/derivative-asset-fair-value-gross-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/derivative-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/derivative-fair-value-of-derivative-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/derivative-instruments-and-hedges</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/derivative-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/derivative-liability-fair-value-gross-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/diluted-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/dividends-common-stock-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/dividends-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/earnings-per-share-basic-and-diluted</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/effective-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/employee-stock-ownership-plan-esop-compensation-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/employee-stock-ownership-plan-esop-debt-structure-direct-loan-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/employee-stock-ownership-plan-esop-deferred-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/employee-stock-ownership-plan-esop-deferred-shares-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/employee-stock-ownership-plan-esop-number-of-allocated-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/employee-stock-ownership-plan-esop-shares-contributed-to-esop</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/eps</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/eps-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/equity-securities-fv-ni-unrealized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/equity-securities-fv-ni-unrealized-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/fair-value-disclosure-offbalance-sheet-risks-amount-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/fair-value-disclosure-offbalance-sheet-risks-face-amount-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-deposit-insurance-corporation-premium-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-funds-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-branch-of-fhlb-bank-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-branch-of-fhlb-bank-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-general-debt-obligations-disclosures-maximum-amount-available</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-long-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-after-five-years-from-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-four-to-five-years-from-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-of-amounts-due-within-one-year-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-one-to-two-years-from-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-three-to-four-years-from-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-two-to-three-years-from-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-after-five-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-from-four-to-five-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-from-one-to-two-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-from-three-to-four-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-from-two-to-three-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-in-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-maturities-summary-due-within-one-year-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-advances-short-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/fees-and-commissions</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-interest-payment-on-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-principal-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/finance-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-allowance-for-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-allowance-for-credit-losses-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-allowance-for-credit-losses-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-allowance-for-credit-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-number-of-contracts-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-post-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-post-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-pre-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-pre-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-subsequent-default-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-modifications-subsequent-default-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-nonaccrual-no-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-30-to-59-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-60-to-89-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-90-days-past-due-and-still-accruing</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-equal-to-greater-than-90-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-nonaccrual-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-recorded-investment-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/financing-receivable-unamortized-loan-commitment-origination-fee-and-premium-discount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-disposition-of-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-sale-of-derivatives</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-sale-of-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-sale-of-properties</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-sale-of-property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-loss-on-sales-of-loans-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gain-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/gains-losses-on-sales-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-no-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-no-related-allowance-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-no-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-no-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-related-allowance-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impaired-financing-receivable-with-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impairment-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/impairment-of-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/increase-decrease-in-accrued-interest-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/increase-decrease-in-advance-payments-by-borrowers-for-taxes-and-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/increase-decrease-in-operating-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/increase-decrease-in-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/incremental-common-shares-attributable-to-call-options-and-warrants</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/incremental-common-shares-attributable-to-nonvested-shares-with-forfeitable-dividends</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/information-technology-and-data-processing</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/insider-transactions-stock-options</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-and-fee-income-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-bearing-domestic-deposit-demand</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-bearing-domestic-deposit-money-market</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-bearing-domestic-deposit-savings</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-bearing-domestic-deposit-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-domestic-deposit-liabilities-checking</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-domestic-deposit-liabilities-demand</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-domestic-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-federal-home-loan-bank-and-federal-reserve-bank-advances-long-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-federal-home-loan-bank-and-federal-reserve-bank-advances-short-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-money-market-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-savings-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-expense-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-income-deposits-with-financial-institutions</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-income-securities-tax-exempt</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-income-securities-taxable</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/interest-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/investment-in-federal-home-loan-bank-stock-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/level-3-asset-sales</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/level-3-asset-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/leveraged-leases-net-investment-in-leveraged-leases-disclosure-investment-in-leveraged-leases-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/line-of-credit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/line-of-credit-facility-amount-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/line-of-credit-facility-maximum-borrowing-capacity</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-commitments-to-purchase-or-sell</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-gross-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-impaired-commitment-to-lend</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-impaired-interest-lost-on-nonaccrual-loans</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loans-receivable-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/long-term-debt-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/loss-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/marketable-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/marketable-securities-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/marketing-and-advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/mortgage-loans-in-process-of-foreclosure-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/mortgage-loans-on-real-estate-write-down-or-reserve-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/net-cash-from-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/net-cash-from-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/net-cash-from-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/net-investment-in-lease-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/new-accounting-pronouncement-or-change-in-accounting-principle-cumulative-effect-of-change-on-equity-or-net-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/new-accounting-pronouncement-or-change-in-accounting-principle-effect-of-adoption-quantification</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/noninterest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/noninterest-bearing-domestic-deposit-demand</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/notes-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/number-of-operating-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/number-of-reportable-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/number-of-reporting-units</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-available-for-sale-adjustment-before-reclassification-adjustments-and-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-available-for-sale-adjustment-before-reclassification-adjustments-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-available-for-sale-before-reclassification-adjustments-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-cumulative-effect-of-change-in-accounting-principle-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-for-writedown-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-securities-sale-reclassification-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-unrealized-holding-gain-loss-on-securities-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/oci-unrealized-holding-gain-loss-on-securities-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/off-balance-sheet-credit-loss-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/operating-leases-rent-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-accounts-payable-and-accrued-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-assets-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-assets-miscellaneous</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-deductions-and-charges</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-deductions-or-allowable-credits</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-interest-and-dividend-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-than-temporary-impairment-credit-losses-recognized-in-earnings-credit-losses-on-debt-securities-held</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-cash-flows</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-change-in-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-securities-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-than-temporary-impairment-losses-investments-portion-in-oci-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/paid-in-capital-share-based-compensation-restricted-stock-units-requisite-service-period-recognition</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/paid-in-capital-stock-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-for-origination-of-mortgage-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-for-proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-for-proceeds-from-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-to-acquire-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/payments-to-acquire-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/prepaid-expense-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/pretax-income-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-derivative-instrument-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-repayments-of-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-sale-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-sale-of-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-sale-of-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-sale-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-sale-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/proceeds-from-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/provision-for-loan-losses-expensed</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/provision-for-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/real-estate-acquired-through-foreclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/real-estate-acquisitions-through-foreclosures</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/realized-investment-gains-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/receivables-from-brokers-dealers-and-clearing-organizations</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/related-party-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/revenue-from-contract-with-customer-including-assessed-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sale-leaseback-transaction-net-book-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-comment-letters-corresp</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-15-12g</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-425</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-8-a12g</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-ars</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-def-14a</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-defa14a</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/sec-filings-se</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/secondary-offerings-form-424b3</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/secondary-offerings-form-pos-am</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/secondary-offerings-form-s-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/secondary-offerings-form-s-8</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/security-owned-and-pledged-as-collateral-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/servicing-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/servicing-asset-at-fair-value-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/short-term-debt-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/shortterm-debt-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-compensation-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-non-option-equity-instruments-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-options-grants-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-forfeitures-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-grants-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-grants-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-nonvested-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-nonvested-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-vested-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-award-rsu-vested-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-issued-shares-issued-for-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-issued-shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-issued-shares-issued-shares-share-based-compensation-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-issued-shares-issued-shares-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-issued-shares-issued-value-share-based-compensation-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-issued-shares-issued-value-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-option-plan-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-exercisable-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-exercisable-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-forfeitures-and-expirations-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-forfeitures-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-grants-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-outstanding-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-options-outstanding-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stock-repurchase-program-remaining-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stockholders-equity-including-portion-attributable-to-noncontrolling-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/stockholders-equity-qualified-for-net-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/supplies-and-postage-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tangible-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tangible-capital-to-tangible-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-cuts-and-jobs-act-change-in-tax-rate-deferred-tax-asset-income-tax-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-change-in-deferred-tax-assets-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-change-in-enacted-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-nondeductible-expense-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-rate-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tax-reconciliation-nondeductible-expense-impairment-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tier-one-leverage-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tier-one-leverage-capital-required-to-be-well-capitalized-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tier-one-leverage-capital-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tier-one-risk-based-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/tier-one-risk-based-capital-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/time-deposits-100000-or-more</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/total-contract-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/total-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/treasury-stock-acquired-average-cost-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/treasury-stock-common-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/treasury-stock-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/treasury-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/unamortized-loan-commitment-and-origination-fees-and-unamortized-discounts-or-premiums</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/unearned-esop-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/unrealized-gain-loss-on-derivatives</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/unrealized-gain-loss-on-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/unrecognized-deferred-tax-liability-bad-debt-reserve-for-tax-purposes-of-qualified-lender</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/valuation-allowance-deferred-tax-asset-change-in-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/weighted-average-rate-domestic-deposit</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/weighted-average-rate-domestic-deposit-demand</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/weighted-average-rate-domestic-deposit-money-market</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/weighted-average-rate-domestic-deposit-savings</loc></url>
<url><loc>https://stock.noler.com/us/stock/lake-shore-bancorp-inc/weighted-average-rate-domestic-deposit-time-deposits</loc></url>
</urlset>
