Lakeland Financial (LKFN) director reports 650-share stock award transaction

Rhea-AI Filing Summary

Lakeland Financial Corporation director Steven D. Ross reported acquiring 650 shares of common stock. The transaction took place on January 13, 2026 and was coded as an acquisition. The shares were reported at a price of $0.00 per share, indicating they were not purchased on the open market but recorded as acquired equity.

Following this transaction, Ross directly beneficially owns 28,301 shares of Lakeland Financial common stock, according to the filing. The form indicates the holdings are owned directly, with no indirect ownership or special footnote disclosures listed.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider ROSS STEVEN D

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	650	$0.00	--

Holdings After Transaction: Common Stock — 28,301 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

ROSS STEVEN D

(Last) (First) (Middle)

LAKELAND FINANCIAL CORPORATION

P.O. BOX 1387

(Street)

WARSAW IN 46581-1387

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
LAKELAND FINANCIAL CORP [ LKFN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/13/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/13/2026		A		650	A	$0	28,301	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Becka J. Turnbow, Attorney-in-Fact	01/13/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did LKFN report for director Steven D. Ross?

Director Steven D. Ross reported an acquisition of 650 shares of Lakeland Financial Corporation common stock on January 13, 2026, coded as an acquisition transaction.

How many LKFN shares does Steven D. Ross own after this Form 4 transaction?

After the reported transaction, Steven D. Ross beneficially owns 28,301 shares of Lakeland Financial common stock, held in direct ownership.

What was the reported price for the 650 LKFN shares acquired by the director?

The 650 shares of Lakeland Financial common stock acquired by director Steven D. Ross were reported at a price of $0.00 per share in the filing.

Is the Steven D. Ross LKFN transaction classified as direct or indirect ownership?

The filing classifies the holdings of 28,301 shares by Steven D. Ross as direct (D) ownership, with no nature of indirect beneficial ownership specified.

What type of security did the LKFN director acquire in this Form 4?

The transaction involved Common Stock of Lakeland Financial Corporation (LKFN), as reported in the non-derivative securities table.

Were any derivative securities reported in this LKFN Form 4 filing?

The Form 4 includes a table for derivative securities, but no derivative securities transactions were reported for this filing.

Is Steven D. Ross reported as a 10% owner of LKFN in this filing?

The filing identifies Steven D. Ross as a director of Lakeland Financial Corporation and does not mark him as a 10% owner.