{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-24-000136","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2024-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.910707+00:00","generated_at":"2026-05-30T10:13:17.732930+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lakeland Financial Q3 net income down 8% YoY; NPA surge 247% due to industrial credit","bullets":["Net income $23.3M ($0.91 EPS), down 8% YoY; linked quarter up 3%.","Nonperforming assets surged 247% to $58.1M, driven by one industrial borrower.","Provision expense $3.1M vs $400k prior year; watch list loans 5.27% of total.","Core deposits grew 5% YoY; tangible book value per share up 25% to $27.07.","Dividend increased 4% to $0.48/share, payable Nov 5, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-24-000136","json":"https://secwatch.observer/filing/0000721994-24-000136.json","markdown":"https://secwatch.observer/filing/0000721994-24-000136.md","text":"https://secwatch.observer/filing/0000721994-24-000136.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000136/0000721994-24-000136-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000136/lkfn-20241025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:13:17.732930+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"}