{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-25-000224","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.008071+00:00","generated_at":"2026-05-17T02:16:15.073056+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lakeland Financial Q3 net income up 13% to $26.4M; EPS $1.03 vs $0.91","bullets":["Net income $26.4M (+13% YoY); diluted EPS $1.03 (+13%); nine-month net income $73.5M (+6%).","Net interest margin expanded 34 bps to 3.50%; net interest income rose 14% to $56.1M.","Nonaccrual loans fell 68% to $18.7M; watch list loans improved to 3.00% from 5.27%.","Dividend increased 4% to $0.50 per share, payable Nov 5, 2025.","Tangible book value per share grew 7% to $28.93; CET1 ratio improved to 15.06%."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-25-000224","json":"https://secwatch.observer/filing/0000721994-25-000224.json","markdown":"https://secwatch.observer/filing/0000721994-25-000224.md","text":"https://secwatch.observer/filing/0000721994-25-000224.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000224/0000721994-25-000224-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199425000224/lkfn-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:16:15.073056+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"}