8-K current report · filed Jul 27, 2026

LAKELAND FINANCIAL CORP (LKFN) 8-K Current Report: July 27, 2026

Item 2.02Item EX-99.1LKFN overview

Short answer

LAKELAND FINANCIAL CORP (LKFN) filed an 8-K current report with the SEC on July 27, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Q2 and first-half 2026 earnings released for periods ended June 30, 2026.

LAKELAND FINANCIAL CORP 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Q2 and first-half 2026 earnings released for periods ended June 30, 2026
  • Detailed financial results and management commentary provided in Exhibit 99.1

Item EX-99.1 · Exhibit EX-99.1

  • Record Q2 net income $28.4M, up 5%, with diluted EPS $1.13, up 9% year over year
  • Revenue rose 7% to $70.9M, supported by 7% net interest margin expansion to 3.49%
  • Loans reached $5.58B, up 7%, while average loans increased 6%, signaling continued organic growth
  • Credit metrics improved: nonperforming assets fell 36% to $20.0M and annualized net charge-offs declined to 0.00%
  • Capital supported growth and shareholder returns: tangible capital ratio 10.63%, dividend increased 4% to $0.52, and $4.1M of shares repurchased

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