{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-24-000096","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.703712+00:00","generated_at":"2026-05-31T16:29:24.624451+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Lakeland Financial Q2 net income up 54% YoY to $22.5M; NPA surges on single $43.3M credit","bullets":["Net income $22.5M ($0.87 EPS), up 54% YoY from $14.6M ($0.57 EPS); linked quarter down 4%.","Two non-routine events: $9.0M net gain on Visa shares exchange and $4.5M legal accrual (lawsuit dismissed).","Loans reached $5.05B (+4% YoY); a $43.3M industrial commercial relationship placed on nonperforming status.","Nonperforming assets jumped to $57.6M (0.88% of assets) from $18.4M; watch list loans at 5.31% of total.","Net interest margin 3.17% (down 11bps YoY, up 2bps linked); quarterly dividend $0.48, 4% YoY increase."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-24-000096","json":"https://secwatch.observer/filing/0000721994-24-000096.json","markdown":"https://secwatch.observer/filing/0000721994-24-000096.md","text":"https://secwatch.observer/filing/0000721994-24-000096.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000096/0000721994-24-000096-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000096/lkfn-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:29:24.624451+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"}