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Lake Shore Bancorp (NASDAQ: LSBK) reported third-quarter 2025 unaudited net income of $2.4M ($0.32 diluted) versus $1.3M ($0.18) in Q3 2024, and $5.3M ($0.70) for the first nine months of 2025 versus $3.5M ($0.46) a year earlier. Results improved from higher net interest income and non-interest income, and a narrower provision for credit losses.Key metrics: net interest margin 3.72% (+44 bps YoY), book value per share $17.80 (+53.9% vs Dec 31, 2024), non-performing assets 0.25% of assets, Tier 1 leverage 16.34%, and repayment of $8.3M FHLBNY borrowings (outstanding $2.0M at 9/30/25). Positive…

The event is open to everyone, from startup teams to solo creators. The hackathon runs until February 7, 2026. Winning participants will enjoy a $150,000 prize pool. Blockchain network Mantle has officially opened its first-ever global hackathon, inviting creators and developers to build innovative blockchain solutions in a five-month online competition. The event has started today, October 22, and will run until February 7 next year, and offers up to $150,000 in incentives to winning projects. Introducing the Mantle Global Hackathon — now live! – Global, online & open to all– $150K in prizes & rewards– 6+ tracks, endless potential…

Ranchers Duke Phillips III, prepares to rope a calf during the final branding at Chico Basin Ranch in Hanover, Colorado on June 29, 2024. Helen H. Richardson | MediaNews Group | The Denver Post | Getty ImagesPresident Donald Trump on Wednesday said U.S. cattle ranchers “don’t understand” how they have benefitted from his tariffs, adding that they “have to get their prices down.”The admonition came after some ranchers have openly criticized Trump’s proposal to import beef from Argentina in order to bring down prices for American consumers.Trump claimed that those ranchers “don’t understand that the only reason they are doing…

Unlock the Editor’s Digest for freeRoula Khalaf, Editor of the FT, selects her favourite stories in this weekly newsletter.OpenAI weakened self-harm prevention safeguards to increase ChatGPT use in the months before 16-year-old Adam Raine died by suicide after discussing methods with the chatbot, his family alleged in a lawsuit on Wednesday. OpenAI’s intentional removal of the guardrails included instructing the artificial intelligence model in May last year not to “change or quit the conversation” when users discussed self-harm, according to the amended lawsuit, marking a departure from previous directions to refuse to engage in the conversation.Matthew and Maria Raine, Adam’s…

The U.S. Debt is a ticking timebomb | Connecting the Dots | https://www.themorganreport.com In this conversation, David Morgan, a renowned expert on precious metals and macroeconomics, shares his insights on the current financial landscape, the role of central banks, and the importance of gold and silver as safe-haven assets. He discusses the implications of inflation, the U.S. debt crisis, and the potential future of currency in a digital age. Morgan emphasizes the need for banking reform and the significance of understanding the financial system to navigate the challenges ahead. He also reflects on personal success and the lessons learned throughout…

In This Article This article is presented by TurboTenant. When I bought my first rental property, I did everything myself: tenant screening, showings, lease preparation, and even bookkeeping. At tax time, I’d stay up late, buried in receipts, scanning through bank statements, and manually filling in spreadsheets. My desk was a mess of receipts, and my filing cabinet was filled with folders of documents, more receipts, and leases.  For the first few properties, I managed to stay pretty organized. But as my portfolio grew, bookkeeping started to take over my life. What used to be a few hours of data…

One of the key conclusions from doing a deep-dive analysis of my IRA with Empower, is that I should be able to live it up more in retirement. In fact, we should all be able to live it up more in retirement based on a higher recommended safe withdrawal rate by Bill Bengen, one of America’s best retirement researchers. Since 1999, I’ve always viewed all my tax-advantaged accounts as bonus money. My philosophy was simple: by not counting on these accounts to fund retirement, I’d be forced to build my taxable investment portfolio large enough to support an early retirement lifestyle.…

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Insigneo Financial Group, an independent broker/dealer and registered investment advisor, has signed an agreement to acquire the accounts of VectorGlobal Wealth Management Group and its RIA. The deal will add over $4 billion in client assets to Insigneo, bringing its total assets to nearly $35 billion. Terms of the deal, expected to close in the first quarter 2026, were not disclosed.VectorGlobal is a wholly owned subsidiary of Vectormex International, which was a division of the Mexican broker/dealer Vector Casa de Bolsa, a recent U.S. target for alleged money laundering, according to published reports. Vector recently dismantled and transferred its assets to…