Lakeland Financial (LKFN) details full-year 2025 earnings press release

Rhea-AI Filing Summary

Lakeland Financial Corporation filed a current report to disclose that it issued a press release announcing its earnings for the three and twelve months ended December 31, 2025. The company states that this earnings press release, furnished as Exhibit 99.1, is provided under a "furnished" status, meaning it is not treated as filed for liability purposes under Section 18 of the Securities Exchange Act of 1934 and is not automatically incorporated by reference into other securities filings.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

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 →

0000721994FALSE00007219942026-01-262026-01-26

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 2.02. Results of Operations and Financial Condition

On January 26, 2026, Lakeland Financial Corporation (the “Company”) issued a press release announcing its earnings for the three and twelve months ended December 31, 2025. The press release is furnished herewith as Exhibit 99.1.

The disclosure in this Item 2.02 and the related exhibit under Item 9.01 are being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The disclosure in this Item 2.02 and the related exhibit under Item 9.01 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

Item 9.01. Financial Statements and Exhibits

(d)Exhibits

99.1     Press Release dated January 26, 2026

104     Cover Page Interactive Data File (embedded within 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) announce in this 8-K?

Lakeland Financial Corporation reported that it issued a press release announcing its earnings for the three and twelve months ended December 31, 2025, which is attached as Exhibit 99.1.

Which periods do the reported earnings for LKFN cover?

The earnings announced by Lakeland Financial Corporation cover the three-month and twelve-month periods ended December 31, 2025.

How is the Lakeland Financial Corporation (LKFN) earnings press release treated for SEC purposes?

The earnings press release is being furnished, not filed, so it is not subject to Section 18 liability under the Securities Exchange Act of 1934 and is not incorporated by reference into Securities Act registration statements.

Where can investors find the detailed Lakeland Financial Corporation (LKFN) earnings information?

The detailed earnings information is contained in the press release included as Exhibit 99.1 to this report.

Who signed the Lakeland Financial Corporation (LKFN) 8-K?

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

What exhibits are included with this Lakeland Financial Corporation (LKFN) 8-K filing?

The filing includes Exhibit 99.1, a press release dated January 26, 2026, and Exhibit 104, the cover page interactive data file embedded within the Inline XBRL document.