LKFN LAKELAND FINANCIAL CORP

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core banking services including commercial and consumer banking, trust, wealth management, brokerage, treasury management focused on Northern and Central Indiana markets
• • Opened 55th branch in Westfield, Indiana in September 2025, expanding presence in Indianapolis market
• • Continued organic growth strategy with no mergers or acquisitions, assets grew to $7.0B at 10% CAGR since 1990
• • Employee count 701 with 73% women or people of color, 60% of officers are women, reflecting strong diversity focus
• • Employees averaged 21 hours of training per person in 2025 through Lake City University, promoting development and retention

Risk Factors

• • Regulatory risk: FDIC may increase deposit insurance premiums or impose special assessments following 2023 bank failures, raising Lakeland’s costs and affecting capital
• • Geopolitical/macro risk: Economic concentration in Northern and Central Indiana, with commercial real estate and industrial loan portfolios vulnerable to regional downturns and tariff impacts
• • Operational risk: Labor market competition in Indiana with 3.5% unemployment challenges attracting and retaining commercial lenders, increasing compensation expenses
• • Competitive risk: Rising competition for deposits from banks, credit unions, brokerage firms, and online deposit gatherers may pressure Lakeland’s deposit funding and liquidity
• • Financial risk: Public fund deposits comprise 33.2% of total deposits, with five largest municipal accounts representing 18.9%, creating concentration risk and dependency on local government funding

Management Discussion & Analysis

• • Revenue: Net interest income $221.0M in 2025, up 12.4% from $196.7M in 2024; total net income $103.4M, up 10.6% YoY from $93.5M
• • Profitability: Net interest margin 3.45% in 2025 vs 3.18% in 2024; efficiency ratio 48.93% in 2025 vs 49.34% in 2024
• • Best segment: Net interest income growth +$24.3M; worst segment: Noninterest income fell $8.9M (15.6%)
• • Cash flow: Deposits rose $72.4M (1.2%) in 2025; borrowings $184.2M end 2025 vs zero prior; no buybacks/dividends capex detailed
• • Outlook: Plans for organic loan and deposit growth, disciplined credit management, branch expansion with new office in Whitestown in 2026

What are the latest LKFN SEC filings in 2026?

LAKELAND FINANCIAL CORP (LKFN) has filed a 10-K annual report on February 25, 2026, a 10-Q quarterly report on April 29, 2026, an 8-K current report on July 27, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did LKFN file its most recent 10-K annual report?

LAKELAND FINANCIAL CORP (LKFN) filed its most recent 10-K annual report on February 25, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view LKFN 10-Q quarterly reports?

LAKELAND FINANCIAL CORP (LKFN)'s most recent 10-Q quarterly report was filed on April 29, 2026. SignalX displays every LKFN 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has LKFN filed recently?

LAKELAND FINANCIAL CORP (LKFN)'s most recent 8-K was filed on July 27, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find LKFN insider trading activity (Form 4)?

SignalX aggregates every LKFN Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does LKFN file with the SEC?

LAKELAND FINANCIAL CORP (LKFN) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new LKFN filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for LAKELAND FINANCIAL CORP (LKFN).

What is LKFN's SEC CIK number?

LAKELAND FINANCIAL CORP (LKFN)'s SEC CIK (Central Index Key) number is 721994. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 721994 to look up all LKFN filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find LKFN return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from LAKELAND FINANCIAL CORP (LKFN) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.