secwatch.observer — SEC 8-K summary
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Issuer:     LAKELAND FINANCIAL CORP (LKFN)
CIK:        0000721994
Form:       8-K
Filed at:   2023-04-25T23:59:59+00:00
Accession:  0000721994-23-000035
Event type: other_material
Sentiment:  positive
Materiality: 0.60
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/721994/000072199423000035/0000721994-23-000035-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/721994/000072199423000035/lkfn-20230425.htm
  HTML page:      https://secwatch.observer/filing/0000721994-23-000035

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