---
schema_version: "secwatch.filing_event.v1"
accession: "0000721994-23-000054"
form_type: "8-K"
ticker: "LKFN"
cik: "0000721994"
company_name: "LAKELAND FINANCIAL CORP"
filed_at: "2023-07-21T23:59:59+00:00"
generated_at: "2026-06-13T05:14:50.763351+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Lakeland Financial reports H1 2023 net income $51.1M, EPS $1.99

## Summary
- Tangible book value per share of $22.97 as of June 30, 2023.
- Risk-based capital ratio of 14.94%, well above well-capitalized minimums.
- Uninsured deposits (excl. public funds) at 28% of total $5.4B deposits.
- Available liquidity of $2.9B; investment securities $1.18B market value.
- Commercial loans $4.3B, 64% variable-rate; deposit mix shifting to interest-bearing.

## SEC filing metadata
- accession: 0000721994-23-000054
- form_type: 8-K
- ticker: LKFN
- cik: 0000721994
- company_name: LAKELAND FINANCIAL CORP
- filed_at: 2023-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/721994/000072199423000054/0000721994-23-000054-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/721994/000072199423000054/lkfn-20230721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-23-000054
- JSON: https://secwatch.observer/filing/0000721994-23-000054.json
- Plain text: https://secwatch.observer/filing/0000721994-23-000054.txt

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