{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-24-000097","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.704012+00:00","generated_at":"2026-05-31T16:29:38.590305+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Lakeland Financial YTD net income +18% YoY; EPS $1.78; PTPP +30%","bullets":["YTD 2024 net income $46.0M vs $38.9M; diluted EPS $1.78 vs $1.51.","Pretax pre-provision earnings rose 30% to $64.7M from $49.7M.","Average loans up 5% YoY to $5.0B; average deposits up 4% to $5.7B.","Net interest margin (FTE) compressed to 3.16% from 3.41% YoY.","Nonperforming loans increased due to a single commercial credit; NPL/loans 0.88%."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-24-000097","json":"https://secwatch.observer/filing/0000721994-24-000097.json","markdown":"https://secwatch.observer/filing/0000721994-24-000097.md","text":"https://secwatch.observer/filing/0000721994-24-000097.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000097/0000721994-24-000097-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000097/lkfn-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:29:38.590305+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"}