LAKELAND FINANCIAL CORP — Form 8-K
Filed July 27, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Lakeland Financial (LKFN) reported YTD 2026 net income of $47.1M (up 17% vs. YTD 2025's $40.1M) and diluted EPS of $1.82 (up 19%). Net interest income grew 7% YOY to $115.1M; NIM expanded 7 bps to 3.49%. Average loans grew $278M (5%) YOY; average deposits grew $199M (3%) YOY. Capital ratios remain strong: TCE/Tangible Assets 10.63%, Total Risk-Based Capital 15.61%. Asset quality is excellent: NPL ratio 0.19%, ACL 1.27% of loans. Noninterest income grew 14% YOY to $25.5M. The company maintains 55 branches, $7.2B in banking assets, $3.8B in wealth advisory assets, all headquartered in Warsaw, Indiana with organic growth focus in the Midwest.
Why this rating
Strong organic growth and earnings beat relative to peer banks; solid capital position; but company size (~$1.5B market cap) and single-state concentration limit systemic importance. No M&A, no crisis, no major strategic shift—ordinary profitable execution.
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