---
schema_version: "secwatch.filing_event.v1"
accession: "0000721994-26-000063"
form_type: "8-K"
ticker: "LKFN"
cik: "0000721994"
company_name: "LAKELAND FINANCIAL CORP"
filed_at: "2026-07-27T11:00:05+00:00"
generated_at: "2026-07-27T11:05:32.009304+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Lakeland Financial reports record Q2 net income of $28.4M, EPS $1.13, revenue up 7%

## Summary
- Record Q2 net income of $28.4M (+5% YoY); diluted EPS $1.13 (+9% YoY).
- Total revenue $70.9M (+7% YoY); net interest margin 3.49% (+7 bps).
- Loans grew 7% to $5.58B; core deposits 95% of total deposits.
- Dividend increased 4% to $0.52/share; repurchased 70,873 shares at $58.20.
- Nonperforming assets down 36% to $20.0M; net charge-offs near zero.

## SEC filing metadata
- accession: 0000721994-26-000063
- form_type: 8-K
- ticker: LKFN
- cik: 0000721994
- company_name: LAKELAND FINANCIAL CORP
- filed_at: 2026-07-27T11:00:05+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/721994/000072199426000063/0000721994-26-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/721994/000072199426000063/lkfn-20260727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000721994-26-000063
- JSON: https://secwatch.observer/filing/0000721994-26-000063.json
- Plain text: https://secwatch.observer/filing/0000721994-26-000063.txt

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