Lakeland Financial Q2 2025 NIM expands to 3.42%; YTD EPS rises 2% to $1.82

LAKELAND FINANCIAL CORP

2025-Q2 EPS reported $1.82

Net interest margin expanded to 3.42% in Q2 2025, up from 3.17% in Q2 2024 and 3.40% in Q1 2025.
YTD net income of $47.1M (diluted EPS $1.82) versus $46.0M ($1.78) in prior year, up 2%.
Average loans grew 4% YoY to $5.2B; average deposits grew 5% YoY to $6.2B.
Individually analyzed & watchlist loans declined $77M year-over-year; NPLs/total loans at 0.25%.
Capital remains strong: TCE/Tangible Assets 10.15%, Total Risk-Based Capital 15.86%.

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