Lakeland Financial Corporation filings document the regulatory disclosures of an Indiana bank holding company whose operating subsidiary is Lake City Bank. Recent 8-K reports cover earnings releases, results of operations, Regulation FD investor presentations, dividend declarations, share repurchase authorization changes and other material events affecting common-stock capital actions.
Proxy and annual meeting materials disclose board elections, advisory compensation votes, auditor ratification and shareholder voting results. The company’s filing record also presents bank-specific financial measures such as capital ratios, tangible book value, credit-loss allowances and other balance-sheet information used in formal disclosures about the company’s community banking operations and governance.
LAKELAND FINANCIAL CORP director Daniel Brian Starr received a grant of 4 phantom stock units tied to the company’s Common Stock. The award is recorded at a reference price of $61.9216 per unit and increases his phantom stock holdings to 406 units.
Each phantom stock unit converts into 1 share of Common Stock and is exercisable only after his retirement from the Board. The phantom shares also expire after his retirement, highlighting that this is a compensation-related, non–open-market acquisition rather than a purchase on the stock exchange.
Lakeland Financial Corp Executive Vice President Eric H. Ottinger reported an open-market sale of company stock. On May 1, 2026, he sold 2,136 shares of Common Stock at $61.4900 per share. After this transaction, he directly owns 33,257 shares of Lakeland Financial Corp common stock.
Lakeland Financial Corporation reported stronger results for the quarter ended March 31, 2026. Net income rose to $26.5 million from $20.1 million a year earlier, with diluted EPS steady at $1.04 versus $0.78. Net interest income increased to $56.8 million, while the provision for credit losses declined to $2.0 million from $6.8 million, supporting earnings.
Total assets reached $7.08 billion, driven by loan growth to $5.48 billion and deposits to $6.19 billion. The allowance for credit losses was $68.9 million. Noninterest income improved to $12.9 million, and noninterest expense rose to $35.2 million. Accumulated other comprehensive loss widened, reflecting unrealized losses on securities as interest rates affected bond values.
Lakeland Financial Corporation released a first quarter 2026 investor presentation highlighting strong capital, solid profitability and balanced growth at Lake City Bank. Tangible common equity to tangible assets was 10.53%, with adjusted tangible common equity to adjusted tangible assets of 12.20%, and the total risk-based capital ratio was 15.58%, well above well-capitalized thresholds.
Year-to-date 2026 net income increased 32% to $26,478,000, and diluted EPS rose 33% versus the prior year period. Net interest income grew 7% year over year, with the fully tax-equivalent net interest margin improving to 3.49% and expanding 9 basis points over first quarter 2025. Average loans grew 5% year over year to about $5.44 billion, while average deposits rose 3% to about $6.06 billion, keeping funding predominantly core.
Asset quality remained strong, with nonperforming loans and watchlist levels near historic lows and the allowance for credit losses at 1.28% of total loans excluding PPP as of early 2026. The company reported a year-to-date 2026 return on average assets of 1.52%, return on average equity of 13.89%, and return on average tangible common equity of 13.96%. The quarterly dividend continued to grow, with the dividend per share up 4% year over year, reflecting confidence in earnings and capital strength.
Lakeland Financial Corporation reported record first-quarter 2026 results, with net income of $26.5 million, up 32% from $20.1 million a year earlier. Diluted EPS rose to $1.04, a 33% increase over $0.78 in the first quarter of 2025, reflecting stronger profitability.
Pretax pre-provision earnings grew 11% year-over-year to $34.6 million as both net interest income and fee-based revenue expanded. Net interest margin improved to 3.49% from 3.40%, helped by lower funding costs that more than offset slightly lower earning-asset yields.
Loan growth remained solid, with average loans up 5% year-over-year to $5.44 billion, while average deposits increased 3% to $6.06 billion. Asset quality strengthened, as nonperforming assets fell 64% to $20.9 million and watch list loans declined to 3.33% of total loans.
Capital levels stayed strong, with a total capital ratio of 15.58% and tangible common equity to tangible assets of 10.53%. The company repurchased 336,853 shares for $19.2 million and raised its quarterly dividend 4% to $0.52 per share.
BlackRock, Inc. filed an amendment to a Schedule 13G reporting beneficial ownership of 3,513,643 shares of Lakeland Financial Corporation common stock, representing 13.5% of the class as shown on the cover. The filing lists 3,475,938 shares as sole voting power and 3,513,643 shares as sole dispositive power. The filing notes that iShares Core S&P Small-Cap ETF holds an interest exceeding five percent. The Schedule is signed by Spencer Fleming, Managing Director, dated 04/24/2026.
Lakeland Financial Corporation held its annual shareholder meeting on April 14, 2026. Shareholders elected 13 directors, including A. Faraz Abbasi, Blake W. Augsburger, Robert E. Bartels, Jr., and others, each to serve terms expiring in 2027.
Shareholders also approved the advisory proposal on executive compensation, with 14,741,820 votes for, 4,859,374 against, and 111,686 abstain/withhold, plus 2,872,162 broker non-votes. In addition, they ratified the selection of Crowe LLP as independent registered public accounting firm for the year ending December 31, 2026, with 22,283,808 votes for, 298,203 against, and 3,031 abstain/withhold.
Lakeland Financial Corporation announced that its Board of Directors has declared a quarterly cash dividend of $0.52 per share on its common stock. The dividend will be paid on May 5, 2026 to shareholders of record as of April 25, 2026. This filing provides an update on the company's regular shareholder cash return policy rather than broader financial results.
The Vanguard Group filed an amendment to its Schedule 13G/A reporting for Lakeland Financial Corp. The filing states that following an internal realignment, certain Vanguard subsidiaries will report separately and The Vanguard Group reports 0 shares beneficially owned (0%) of Lakeland Financial Corp common stock. The filing is signed on 03/27/2026 and explains the change is made in accordance with SEC Release No. 34-39538 (January 12, 1998).
Lakeland Financial Corp director M. Scott Welch reported an open-market purchase of 10,000 shares of common stock at $56.2314 per share. The shares are held indirectly through his spouse, bringing indirect ownership to 212,006 shares following the transaction.