---
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"
generated_at: "2026-05-18T01:41:00.311429+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-25-000189
- JSON: https://secwatch.observer/filing/0000721994-25-000189.json
- Plain text: https://secwatch.observer/filing/0000721994-25-000189.txt

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