LKFN Q1 net income falls 14% YoY; NIM expands 15 bps to 3.40%

LAKELAND FINANCIAL CORP

2025-Q1 EPS reported $0.78

Net income YTD 2025 $20.1M vs $23.4M YoY; diluted EPS $0.78 vs $0.91.
Net interest margin expanded 15 bps linked-quarter to 3.40% in Q1 2025.
Average loans and deposits each grew 4% YoY to $5.2B and $5.9B respectively.
Nonperforming loans/total loans rose to 0.85% from 0.27% in 2024, citing a single commercial credit.
Strong capital: TCE/tangible assets 10.09%, total risk-based capital 15.77%.

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