{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-25-000040","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.185586+00:00","generated_at":"2026-05-27T12:20:19.111744+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lakeland Financial Q4 net income down 18% YoY to $24.2M; NIM expands 9 bps, credit costs rise","bullets":["Annual net income $93.5M, diluted EPS $3.63, versus $93.8M ($3.65) in 2023.","Q4 net income $24.2M ($0.94 EPS) decreased 18% YoY; pretax pre-provision earnings $32.9M down 9% YoY.","Net interest margin improved 9 bps to 3.25% linked quarter; average loans grew 5% YoY.","Provision expense $3.7M (vs $300K) on downgrade of a $43.3M industrial credit; NPA ratio 0.85% vs 0.25%.","Total risk-based capital 15.90%; dividend increased 4% to $0.50 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-25-000040","json":"https://secwatch.observer/filing/0000721994-25-000040.json","markdown":"https://secwatch.observer/filing/0000721994-25-000040.md","text":"https://secwatch.observer/filing/0000721994-25-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000040/0000721994-25-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000040/lkfn-20250124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:20:19.111744+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"}