{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-25-000125","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2025-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.104467+00:00","generated_at":"2026-05-23T06:19:29.999613+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"LKFN Q1 net income falls 14% YoY; NIM expands 15 bps to 3.40%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-25-000125","json":"https://secwatch.observer/filing/0000721994-25-000125.json","markdown":"https://secwatch.observer/filing/0000721994-25-000125.md","text":"https://secwatch.observer/filing/0000721994-25-000125.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000125/0000721994-25-000125-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000125/lkfn-20250425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:19:29.999613+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"}