STOCK TITAN

Lakeland Financial (LKFN) director gets new phantom stock grant via spouse

(Neutral)
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Form Type
4

Rhea-AI Filing Summary

Truex Melinda Jo reported acquisition or exercise transactions in this Form 4 filing.

Lakeland Financial Corp director Melinda Jo Truex reported an indirect grant of 87 Phantom Stock units on 2026-08-05 at $63.25 per unit, held by her spouse. Each unit corresponds to one share of Common Stock, bringing spouse-held phantom stock to 10,380 units, which will be delivered in six remaining annual installments.

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Insider Truex Melinda Jo
Role Director
Type Security Shares Price Value
Grant/Award Phantom Stock F1, F2 87 $63.25 $6K
Holdings After Transaction: Phantom Stock — 10,380 shares (Indirect, By Spouse)
Footnotes (2)
  1. F1. Each Phantom Stock unit exercises into 1 share of Common Stock.
  2. F2. The Phantom Stock will be delivered in 6 remaining annual installments.
Phantom Stock units granted 87 units Grant/award acquisition on 2026-08-05
Reference price per Phantom unit $63.25 per unit Value assigned to the 87 Phantom Stock units
Underlying Common Stock 87 shares Each Phantom Stock unit exercises into 1 share of Common Stock
Phantom Stock after transaction 10,380 units Total indirect phantom holdings by spouse following the grant
Delivery schedule 6 annual installments Phantom Stock will be delivered in six remaining annual installments
Phantom Stock financial
"Each Phantom Stock unit exercises into 1 share of Common Stock."
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
indirect financial
"Ownership type is reported as indirect with nature of ownership "By Spouse"."
annual installments financial
"The Phantom Stock will be delivered in 6 remaining annual installments."

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What insider transaction did Lakeland Financial (LKFN) director Melinda Jo Truex report?

Melinda Jo Truex reported an indirect grant of 87 Phantom Stock units on 2026-08-05. The award is held by her spouse and increases the spouse-held phantom stock balance to 10,380 units, each tied to one share of Lakeland Financial Common Stock.

How many Lakeland Financial (LKFN) phantom stock units were granted and at what price?

The award consists of 87 Phantom Stock units at a reference value of $63.25 per unit. Each unit is economically linked to one share of Common Stock, reflecting stock-based compensation rather than an open-market purchase or sale.

How does the Lakeland Financial (LKFN) phantom stock grant affect total phantom holdings?

After the grant, indirect phantom stock holdings total 10,380 units held by the director’s spouse. This figure includes the newly granted 87 units, all of which correspond one-for-one to Lakeland Financial Common Stock for value purposes.

When will the Lakeland Financial (LKFN) phantom stock units be delivered?

The filing states the Phantom Stock will be delivered in six remaining annual installments. This means the 10,380 units, including the 87-unit grant, are scheduled to settle over multiple future years rather than immediately.

Is the Lakeland Financial (LKFN) phantom stock grant held directly by the director?

No. The 87 Phantom Stock units are reported as indirectly owned, with ownership noted as “By Spouse.” The director reports the transaction because of this relationship, but the holdings themselves are attributed to the spouse’s account.

Was the Lakeland Financial (LKFN) phantom stock grant made under a Rule 10b5-1 plan?

The document’s Rule 10b5-1 checkbox is not marked as affirmatively true, indicating the award is not reported as made under a 10b5-1 trading plan. It is characterized as a grant or award of Phantom Stock units.
SEC Form 4
FORM 4UNITED 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
Estimated average burden
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*
Truex Melinda Jo

(Last)(First)(Middle)
LAKELAND FINANCIAL CORPORATION
P.O. BOX 1387

(Street)
WARSAW INDIANA 46581

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
LAKELAND FINANCIAL CORP [ LKFN ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/05/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock(1)08/05/2026A87 (2) (2)Common Stock87$63.2510,380IBy Spouse
Explanation of Responses:
1. Each Phantom Stock unit exercises into 1 share of Common Stock.
2. The Phantom Stock will be delivered in 6 remaining annual installments.
Remarks:
/s/ Becka J. Turnbow, Attorney-in-Fact08/06/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)