Strategic Insights into Banking & Fintech

Lake Shore in N.Y. aims to raise at least $40M from second-step conversion

Lake Shore Bancorp in Dunkirk, N.Y., could raise up to $64 million from its planned second-step conversion.

The $686 million-asset company disclosed in a registration statement that it plans to sell about 5.8 million to 6.6 million shares of common stock at $10 each. Net proceeds could range from $40.3 million to $63.7 million.

Lake Shore said it could use the proceeds for a variety of purposes, including investing in securities, buying back stock, paying dividends, or acquisitions. The company said it does not have any acquisitions in the works for now.

The second step would mark another major achievement for Kim Liddell. Since joining Lake Shore in April 2023 as CEO, Liddell has freed the company from enforcement actions with the Office of the Comptroller of the Currency and the Federal Reserve.

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