{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-24-000029","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.778220+00:00","generated_at":"2026-06-03T08:46:06.951347+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Lakeland Financial Q1 net income $23.4M (-4% YoY); EPS $0.91 (-3%); loan growth 5%","bullets":["Diluted EPS $0.91 vs $0.94 YoY; core operational EPS $0.88, down 6%.","Net interest margin contracted 39bp to 3.15%; earning asset yield up 58bp to 5.97%.","Average loans $4.97B (+5% YoY); core deposits $5.43B (+1% YoY).","Net charge-offs $312k vs $5.7M a year ago; nonperforming assets down 15% to $15.2M.","Dividend raised 4% to $0.48/share; total risk-based capital ratio 15.46%."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-24-000029","json":"https://secwatch.observer/filing/0000721994-24-000029.json","markdown":"https://secwatch.observer/filing/0000721994-24-000029.md","text":"https://secwatch.observer/filing/0000721994-24-000029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000029/0000721994-24-000029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000029/lkfn-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:46:06.951347+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":"66955f42e7c4765329897967d757eafe89feddaa","claim":"LAKELAND FINANCIAL CORP reported three months ended March 31, 2024 results: net income $23.4 million, EPS $0.91.","evidence_excerpt":"Lakeland Financial Corporation (the “Company”) issued a press release announcing its earnings for the three months ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000029/0000721994-24-000029-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2024"},{"label":"Net income","value":"$23.4 million"},{"label":"EPS","value":"$0.91"},{"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"}