{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-25-000124","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2025-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.104350+00:00","generated_at":"2026-05-23T06:19:13.365281+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 Q1 net income down 14% to $20.1M; EPS $0.78; NII up 12%","bullets":["Net income $20.1M ($0.78 dil. EPS) vs $23.4M ($0.91) YoY, down 14%; revenue $63.8M (+6%).","Net interest income +12% to $52.9M; NIM expanded 25bps to 3.40% on deposit cost declines.","Provision expense $6.8M (vs $1.5M YoY) driven by specific reserve on $43.3M nonperforming credit.","Nonperforming assets surged 280% YoY to $57.9M; watch list loans at 4.13% of total loans.","Dividend raised 4% to $0.50/sh; share repurchase program reauthorized through 2027 with $30M remaining."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-25-000124","json":"https://secwatch.observer/filing/0000721994-25-000124.json","markdown":"https://secwatch.observer/filing/0000721994-25-000124.md","text":"https://secwatch.observer/filing/0000721994-25-000124.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000124/0000721994-25-000124-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000124/lkfn-20250425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:19:13.365281+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"}