---
schema_version: "secwatch.filing_event.v1"
accession: "0000721994-23-000035"
form_type: "8-K"
ticker: "LKFN"
cik: "0000721994"
company_name: "LAKELAND FINANCIAL CORP"
filed_at: "2023-04-25T23:59:59+00:00"
generated_at: "2026-06-16T17:29:08.033901+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Lakeland Financial Q1 2023 investor presentation highlights $3.0B liquidity, stable deposits post-crisis

## Summary
- Tangible book value $23.36/share; TCE/tangible assets 9.34%; total risk-based capital 15.21% — well above well-capitalized.
- Total deposits $5.5B stable; DDA 28% (down from 32% at year-end); uninsured deposits (ex-public funds) 29%.
- Available liquidity $3.0B unchanged; supplemented by FHLB, FRB discount window, BTFP, and brokered CDs.
- Investment portfolio market value loss $202M (AFS+HTM); portfolio duration 12.2 years; nearly $400M cash flows 2023-2026.
- YTD 2023 ROAA 1.54%, ROAE 16.92%; deposit beta 34% from March 2022; asset sensitive balance sheet.

## SEC filing metadata
- accession: 0000721994-23-000035
- form_type: 8-K
- ticker: LKFN
- cik: 0000721994
- company_name: LAKELAND FINANCIAL CORP
- filed_at: 2023-04-25T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/721994/000072199423000035/0000721994-23-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/721994/000072199423000035/lkfn-20230425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-23-000035
- JSON: https://secwatch.observer/filing/0000721994-23-000035.json
- Plain text: https://secwatch.observer/filing/0000721994-23-000035.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.