{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-25-000189","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2025-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.228909+00:00","generated_at":"2026-05-18T01:41:00.311429+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Lakeland Financial Q2 2025 NIM expands to 3.42%; YTD EPS rises 2% to $1.82","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-25-000189","json":"https://secwatch.observer/filing/0000721994-25-000189.json","markdown":"https://secwatch.observer/filing/0000721994-25-000189.md","text":"https://secwatch.observer/filing/0000721994-25-000189.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000189/0000721994-25-000189-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000189/lkfn-20250725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:41:00.311429+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"}