Welcome to our dedicated page for Lakeland Finl SEC filings (Ticker: LKFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Lakeland Financial Corp’s disclosures go far beyond a typical community bank update—they unpack loan growth across Indiana manufacturers, shifts in deposit mix, and how rising rates affect net interest margin. If you have ever sifted through hundreds of pages just to locate credit quality tables, you know the challenge.
Every filing type answers a different question. The 10-K annual report lays out segment performance—our AI turns that into a concise briefing, giving you the Lakeland Financial annual report 10-K simplified. Quarterly numbers arrive in the 10-Q; use our platform for a laser-focused Lakeland Financial quarterly earnings report 10-Q filing with ratios already calculated. Sudden dividend changes? Check the Lakeland Financial 8-K material events explained. Curious whether executives are buying hometown stock? Real-time alerts surface Lakeland Financial Form 4 insider transactions real-time so you can track Lakeland Financial executive stock transactions Form 4 instantly.
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Whether you track community bank valuations, watch regional loan books, or need a quick take before earnings calls, our real-time coverage of every LKFN 10-K, 10-Q, 8-K, and Form 4 keeps you informed—without drowning in paperwork.
Lakeland Financial Corporation reported stronger Q3 results. Net income was $26.4 million (diluted EPS $1.03) versus $23.3 million ($0.91) a year ago, as lower funding costs and steady earning assets supported profitability.
Net interest income rose to $56.1 million from $49.3 million, while interest expense declined to $38.8 million from $45.7 million. The provision for credit losses was $2.0 million versus $3.1 million last year. Noninterest income was $13.0 million and noninterest expense was $35.0 million, reflecting higher compensation and processing costs.
Balance sheet growth continued: total assets reached $6.90 billion (from $6.68 billion at year-end), loans were $5.18 billion, and deposits were $6.02 billion. Stockholders’ equity increased to $747.4 million with accumulated other comprehensive loss improving to $(140.7) million. The company added $56.2 million in FHLB advances. A cash dividend of $0.50 per share was paid in the quarter. Shares outstanding were 25,528,732 as of September 30, 2025.
Lakeland Financial Corporation (LKFN) filed a Form 8-KExhibit 99.1 titled “2025 3Q Investor Presentation.” The company states this Item 7.01 and Exhibit 99.1 are not intended to be treated as “filed” for purposes of the Exchange Act or incorporated into Securities Act filings.
Lakeland Financial Corporation (LKFN)
The company states this information is being furnished under Item 2.02 and is not deemed filed under Section 18 of the Exchange Act, and it will not be incorporated by reference into Securities Act filings. The filing also includes the cover page Inline XBRL exhibit (Exhibit 104).
Lakeland Financial Corporation announced a regular shareholder return. On October 14, 2025, the Board of Directors declared a quarterly cash dividend of $0.50 per share on common stock.
The dividend will be paid on November 5, 2025 to shareholders of record as of October 25, 2025. This reflects a routine cash distribution to equity holders under the company’s established dividend program.
Insider purchase reported: Lakeland Financial Corp director Robert E. Bartels Jr. purchased 296 shares of LKFN common stock on 09/08/2025 at a price of $67.7673 per share. After the transaction he beneficially owns 29,726 shares directly. The Form 4 was signed by an attorney-in-fact, Becka J. Turnbow, on 09/08/2025.
Robert E. Bartels Jr., a director of Lakeland Financial Corporation (LKFN), reported a sale of common stock on 09/05/2025. The filing shows a disposition of 296 shares under transaction code "G" for $0 reported price, leaving 29,430 shares beneficially owned directly after the transaction. The Form 4 was signed by an attorney-in-fact on 09/08/2025.
Lakeland Financial Corp (LKFN) reporting insider transaction: Executive Vice President Eric H. Ottinger sold 4,635 shares of common stock on 08/25/2025 at a reported price of $67.0661 per share, leaving beneficial ownership of 32,282 shares. The Form 4 was signed by an attorney-in-fact on 08/26/2025. The filing records a routine Section 16 disclosure of a non-derivative sale by an officer.
State Street Corporation reports beneficial ownership of 1,354,542 shares of Lakeland Financial Corp common stock, representing 5.3% of the class. The filing shows 0 shares as sole voting or dispositive power and indicates 174,416 shares of shared voting power and 1,354,542 shares of shared dispositive power, implying control of voting and disposition is held jointly or through accounts reported as shared.
The filing lists several State Street investment-advisor subsidiaries as relevant parties and includes a certification that the securities are held in the ordinary course of business and not to change or influence control of the issuer.
What this filing says
Victory Capital Management, an investment adviser, reports it beneficially owns 916,558 shares of Lakeland Financial Corp, equal to 3.59% of the outstanding common stock. The filing shows Victory Capital has sole voting power for 911,858 shares and sole dispositive power for 916,558 shares.
Why it matters
This is a public disclosure of a meaningful passive stake by a professional money manager. The filing also states the shares are held in the ordinary course of business and are not held to change or influence control of the company. For most shareholders, a 3.59% passive stake signals professional interest but does not indicate an activist or control-seeking position.
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