{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-25-000041","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.185866+00:00","generated_at":"2026-05-27T12:22:08.261051+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Lakeland Financial reports flat FY2024 net income of $93.5M, EPS $3.63","bullets":["Net income $93.5M ($3.63 EPS) in FY2024, flat YoY; pretax pre-provision earnings up 11% to $128.4M.","Average loans $5.04B (+5% YoY); net interest margin 3.18% (down 13bps YoY).","Deposit costs fell to 2.56% in 4Q24 from 2.90% peak in 2Q24; total deposits $5.9B.","TCE/tangible assets 10.19%, total risk-based capital 15.90% - well above well-capitalized thresholds.","Asset quality: ACL 1.68% of loans; nonperforming loans/total loans 0.25%."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-25-000041","json":"https://secwatch.observer/filing/0000721994-25-000041.json","markdown":"https://secwatch.observer/filing/0000721994-25-000041.md","text":"https://secwatch.observer/filing/0000721994-25-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000041/0000721994-25-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000041/lkfn-20250124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:22:08.261051+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"}