[8-K] LAKELAND FINANCIAL CORP Reports Material Event

Rhea-AI Filing Summary

Lakeland Financial Corporation furnished an investor presentation in connection with planned meetings with investors and analysts. The materials are provided as Exhibit 99.1, titled “2025 4Q Investor Presentation.”

The company states that this information, included under Item 7.01 and Exhibit 99.1, is being furnished under Regulation FD and is not intended to be treated as “filed” for purposes of the Securities Exchange Act of 1934 or incorporated into Securities Act filings. A cover page interactive data file is also included as Exhibit 104.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

0000721994FALSE00007219942025-07-242025-07-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549  

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): January 26, 2026

LAKELAND FINANCIAL CORPORATION

(Exact name of Registrant as specified in its charter) 

Indiana

0-11487

35-1559596

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

 

202 East Center Street,
Warsaw			,			Indiana			46580
(Address of principal executive offices)									(Zip Code)

Registrant’s telephone number, including area code: (574) 267-6144

(Former name or former address if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, no par value

LKFN

The Nasdaq Stock Market, LLC

Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

Item 7.01. Regulation FD Disclosure

The executive officers of Lakeland Financial Corporation intend to use the material filed herewith, in whole or in part, in one or more meetings with investors and analysts. A copy of the investor presentation is attached hereto as Exhibit 99.1.

Lakeland Financial Corporation does not intend for this Item 7.01 or Exhibit 99.1 to be treated as “filed” for purposes of the Securities Exchange Act of 1934, as amended, or incorporated into its filings under the Securities Act of 1933, as amended.

Item 9.01. Financial Statements and Exhibits

The following exhibit shall not be deemed as "filed" for purposes of the Securities Exchange Act of 1934, as amended.

(d) Exhibits

99.1     2025 4Q Investor Presentation

104    Cover Page Interactive Data File (embedded with the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

LAKELAND FINANCIAL CORPORATION

Dated:  January 26, 2026			By:			/s/ Lisa M. O’Neill
						Lisa M. O’Neill
						Executive Vice President
						and Chief Financial Officer

FAQ

What did Lakeland Financial Corporation (LKFN) disclose in this 8-K?

Lakeland Financial Corporation furnished an investor presentation under Regulation FD as Exhibit 99.1, intended for use in meetings with investors and analysts.

What is included in Exhibit 99.1 of Lakeland Financial Corporations 8-K?

Exhibit 99.1 is titled 2025 4Q Investor Presentation and contains materials the executive officers may use in one or more investor and analyst meetings.

Is the Lakeland Financial (LKFN) investor presentation considered filed with the SEC?

No. The company states that Item 7.01 and Exhibit 99.1 are furnished, not filed, for purposes of the Securities Exchange Act of 1934 and are not incorporated into Securities Act filings.

What Regulation FD information did Lakeland Financial provide in this 8-K?

Under Item 7.01 Regulation FD Disclosure, Lakeland Financial noted that its executive officers intend to use the attached 2025 4Q investor presentation in meetings with investors and analysts.

Which exhibits accompany this Lakeland Financial Corporation (LKFN) 8-K?

The 8-K includes Exhibit 99.1, the 2025 4Q Investor Presentation, and Exhibit 104, the cover page interactive data file embedded with the Inline XBRL document.

Who signed the Lakeland Financial Corporation 8-K report?

The report was signed on behalf of Lakeland Financial Corporation by Lisa M. ONeill, Executive Vice President and Chief Financial Officer.