---
schema_version: "secwatch.filing_event.v1"
accession: "0000721994-25-000188"
form_type: "8-K"
ticker: "LKFN"
cik: "0000721994"
company_name: "LAKELAND FINANCIAL CORP"
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T01:40:49.856945+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Lakeland Financial Q2 net income record $27.0M (+20% YoY); dividend raised to $0.50

## Summary
- Net income $27.0M, diluted EPS $1.04 (+20% YoY); net interest income $54.9M (+14%).
- Net interest margin expanded 25 bps to 3.42%; core deposits grew 8% to $6.03B.
- Total loans $5.23B (+4% YoY); provision expense fell to $3.0M from $8.5M.
- Nonperforming assets down 46% to $31.1M; $28.6M charge-off on previously disclosed loan, fully reserved.
- Quarterly dividend raised 4% to $0.50 per share; 30,300 shares repurchased at $55.94 avg.

## SEC filing metadata
- accession: 0000721994-25-000188
- form_type: 8-K
- ticker: LKFN
- cik: 0000721994
- company_name: LAKELAND FINANCIAL CORP
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/721994/000072199425000188/0000721994-25-000188-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/721994/000072199425000188/lkfn-20250725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-25-000188
- JSON: https://secwatch.observer/filing/0000721994-25-000188.json
- Plain text: https://secwatch.observer/filing/0000721994-25-000188.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.