{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-23-000067","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.822378+00:00","generated_at":"2026-06-09T12:18:02.335572+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Lakeland Financial Q3 net income $25.3M, down 11% YoY; EPS $0.98; dividend raised 15%","bullets":["Net income $25.3M ($0.98 diluted EPS) vs $28.5M ($1.11) in Q3 2022; linked Q up 73% from $14.6M in Q2 2023.","Net interest margin contracted 36 bps to 3.21%; average loan growth 10% annualized; deposit base stable.","Dividend increased 15% to $0.46/share, payable Nov 6 to holders of record Oct 25; unchanged from prior quarter.","Nonperforming assets rose 66% to $16.7M vs a year ago but decreased from Q2; provision expense $400,000.","Total risk-based capital 15.14%; adjusted tangible common equity ratio 11.74%; uninsured deposits 28% of total."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-23-000067","json":"https://secwatch.observer/filing/0000721994-23-000067.json","markdown":"https://secwatch.observer/filing/0000721994-23-000067.md","text":"https://secwatch.observer/filing/0000721994-23-000067.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000067/0000721994-23-000067-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000067/lkfn-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T12:18:02.335572+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"ca83799905678c2cc6510f2f732f43151388daca","claim":"LAKELAND FINANCIAL CORP reported three and nine months ended September 30, 2023 results: net income $25.3 million, EPS $0.98.","evidence_excerpt":"Lakeland Financial Reports Net Income of $25.3 Million for the Third Quarter and 10% Annualized Average Loan Growth","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000067/0000721994-23-000067-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2023"},{"label":"Net income","value":"$25.3 million"},{"label":"EPS","value":"$0.98"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}