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Lakeland Financial Corporation reported Q2 2026 net income of $28,440 (dollars in thousands), or $1.13 diluted earnings per share, up from $26,966 and $1.04 a year earlier. For the first six months, net income was $54,918 (dollars in thousands) and diluted EPS was $2.17.
Total assets reached $7,242,959 (dollars in thousands), with loans, net of allowance, of $5,509,027 and deposits of $6,329,568, all higher than at December 31, 2025. The allowance for credit losses rose to $70,598, while nonaccrual loans were $19,980 and net loan charge‑offs were $2,105 year‑to‑date.
Available‑for‑sale securities totaled $1,035,163 (dollars in thousands) with gross unrealized losses of $141,309; held‑to‑maturity municipal securities had unrealized losses of $14,592, and no credit loss allowance. Federal Home Loan Bank advances declined to $71,200, and the company paid $1.04 per share in common dividends and repurchased 407,726 shares in the first half of 2026.
Lakeland Financial Corp reported that Senior Vice President Kyra E. Clark sold 250 shares of Common Stock on July 30, 2026, at 63.2200 per share in a sale described as an open market or private transaction, leaving her with 11,396.0000 shares held directly. The transaction was not reported as being made under a Rule 10b5-1 trading plan.
Vanguard Capital Management reported its beneficial ownership of common stock of Lakeland Financial Corp. Vanguard and certain affiliated entities held 1,253,444 shares of common stock as of June 30, 2026, representing 5.03% of the outstanding class.
Vanguard had sole voting power over 188,115 shares and sole dispositive power over 1,253,444 shares, with no shared voting or dispositive power. The position includes securities held by various Vanguard funds and managed accounts for which Vanguard entities exercise voting and/or dispositive authority. No other single person’s interest in these securities exceeds 5%.
Lakeland Financial presents a second‑quarter 2026 update highlighting steady growth and profitability. Net income for the first half of 2026 was $54,918 (000’s), up 17% from $47,051 (000’s) a year earlier, with diluted EPS rising to $2.17 from $1.82. Net interest income increased to $115,074 (000’s) from $107,751 (000’s) and the fully tax‑equivalent net interest margin reached 3.49%. Pretax pre‑provision earnings for the period grew 6% year over year to $70,971 (000’s).
The balance sheet remains conservative. As of June 30, 2026, the tangible common equity to tangible assets ratio was 10.63% and the total risk‑based capital ratio was 15.61%. Average loans rose 5% year over year to $5,486,359 (000’s), while average deposits grew 3% to $6,184,817 (000’s); total deposits were $6.3 billion, with noninterest‑bearing balances at 20% of deposits and 98% of accounts under $250,000. Commercial loans accounted for 87% of the portfolio, and management reports nonperforming and watchlist levels at historic lows, supported by an allowance for credit losses of 1.27% of total loans. Available liquidity totaled $3,380,316 (000’s). The cash dividend per share increased 4% year over year to $1.04 for year‑to‑date 2026.
Lakeland Financial Corporation reported record second‑quarter 2026 results, with net income of $28.4 million and diluted EPS of $1.13, up 5% and 9% from the prior‑year quarter. For the first half of 2026, net income reached $54.9 million and diluted EPS $2.17, increases of 17% and 19%.
Total revenue was $70.9 million for the quarter, up 7% year over year, as net interest income grew 6% and noninterest income 9%. Net interest margin was 3.49%, 7 basis points higher than a year earlier, supported by lower funding costs. Average loans rose 6% year over year to $5.53 billion, and period‑end loans grew 7% to $5.58 billion, while average deposits increased 4%.
Asset quality remained strong: annualized net charge‑offs were near zero, nonperforming assets fell 36% to $20.0 million, and the allowance for credit losses stayed at 1.27% of loans. Capital ratios were robust, including a common equity tier 1 ratio of 14.47% and a tangible common equity to tangible assets ratio of 10.63%. Tangible book value per share rose 12% to $30.75, and the quarterly dividend was increased 4% to $0.52 per share alongside ongoing share repurchases.
Lakeland Financial Corporation stated that its Board of Directors declared a quarterly cash dividend of $0.52 per share on its common stock.
The dividend is scheduled to be paid on August 5, 2026 to shareholders of record as of July 25, 2026.
WELCH M SCOTT reported acquisition or exercise transactions in this Form 4 filing.
LAKELAND FINANCIAL CORP director M. Scott Welch received a grant of 366 phantom stock units tied to the company’s common stock. Each unit represents one share of common stock and is exercisable after his retirement from the board. Following this award, he holds 61,694 phantom stock units directly.
Augsburger Blake reported acquisition or exercise transactions in this Form 4 filing.
LAKELAND FINANCIAL CORP director Blake Augsburger received a grant of 609 phantom stock units tied to the company’s common stock. Each unit represents one share of common stock and is valued at $61.549 per unit for reporting purposes. The phantom stock becomes exercisable after the director’s retirement from the board and expires after retirement. Following this award, Augsburger holds 20,111 phantom stock units directly.
Toothaker Bradley J reported acquisition or exercise transactions in this Form 4 filing.
LAKELAND FINANCIAL CORP director Bradley J. Toothaker received a grant of 487 phantom stock units on common stock on July 8, 2026. Each phantom stock unit corresponds to 1 share of common stock and is exercisable after, and expires upon, the director’s retirement from the Board. Following this award, Toothaker holds 19,672 phantom stock units directly.
LAKELAND FINANCIAL CORP director Darrianne P. Christian received a grant of 446 phantom stock units on common stock. The award is a compensation-related acquisition, not an open-market purchase, at a reference price of $61.549 per unit. Each phantom unit is tied to one share of common stock and becomes exercisable after the director’s retirement from the board, expiring after retirement as well. Following this grant, the director holds a total of 5,927 phantom stock units directly.