{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-23-000068","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.822565+00:00","generated_at":"2026-06-09T12:18:30.972962+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Lakeland Financial Q3 2023 core net income down 2% YoY; adjusted EPS $2.97","bullets":["YTD 2023 net income $64.1M ($2.49 EPS); core adjusted net income $76.4M ($2.97 EPS), excluding $18.1M wire fraud loss.","Total deposits $5.7B; commercial deposits 38%, retail 31%, public fund 28%, brokered 3%.","Total loans $4.9B, up 9% YoY; 89% commercial, 64% of commercial loans variable rate.","TCE/TA 8.62%, adj. TCE/adj. TA 11.74%, total risk-based capital 15.14% above well-capitalized threshold.","Strong liquidity $3.3B available; core PTPP increased 1% YoY to $96M."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-23-000068","json":"https://secwatch.observer/filing/0000721994-23-000068.json","markdown":"https://secwatch.observer/filing/0000721994-23-000068.md","text":"https://secwatch.observer/filing/0000721994-23-000068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000068/0000721994-23-000068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000068/lkfn-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T12:18:30.972962+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}