---
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"
generated_at: "2026-05-31T16:29:38.590305+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Lakeland Financial YTD net income +18% YoY; EPS $1.78; PTPP +30%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-24-000097
- JSON: https://secwatch.observer/filing/0000721994-24-000097.json
- Plain text: https://secwatch.observer/filing/0000721994-24-000097.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.