Every material Form 8-K Lakeland Financial has filed with the SEC since July 25, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Lakeland Financial Corporation furnished a 3Q 2026 investor presentation under Regulation FD for use in meetings with investors and analysts. The filing states the material is not deemed filed under the Securities Exchange Act, and it contains no new earnings, guidance, or corporate action beyond figures already reported.
Exhibit 99.1 is a 2026 3Q Investor Presentation covering data as of September 30, 2026.
Presentation cites year-to-date 2026 net income up 14% and diluted EPS up 16% versus the prior-year period.
Presentation cites year-to-date 2026 pretax pre-provision earnings up 7% and total deposits of $6.3 billion.
Lakeland Financial reported record third-quarter 2026 net income of $28.9 million, up from $26.4 million a year earlier, with diluted earnings per share of $1.14 versus $1.03. Total revenue rose 6% to $73.0 million and loans grew 8% year over year, while net charge-offs increased to $3.0 million, including a $2.8 million partial charge-off.
Q3 2026 net income of $28.9 million vs. $26.4 million in Q3 2025, up 9%
Diluted EPS of $1.14 vs. $1.03 a year earlier, up 11%; nine-month diluted EPS of $3.31, up 16%
Total revenue of $73.0 million, up 6%; net interest margin of 3.58% vs. 3.50%
Net charge-offs of $3.0 million in Q3 2026, including a $2.8 million partial charge-off; quarterly dividend of $0.52 per share payable November 5, 2026
Lakeland Financial Corporation reported record second-quarter 2026 net income of $28.4 million, up 5% from $27.0 million a year earlier, with diluted earnings per share of $1.13 versus $1.04. Total revenue rose 7% to $70.9 million, and average loans grew 6%, which supports the company's earnings growth for shareholders.
Q2 2026 net income was $28.4 million, up $1.5 million, or 5%, from $27.0 million in Q2 2025.
Diluted EPS was $1.13, up $0.09, or 9%, from $1.04; first-half 2026 diluted EPS was $2.17, up 19%.
Total revenue was $70.9 million, up 7% year over year; net interest margin was 3.49%, up 7 basis points.
Quarterly common dividend rose to $0.52 per share from $0.50, payable August 5, 2026; the company repurchased 70,873 shares at $58.20 on average.
Lakeland Financial Corporation reported record first-quarter 2026 net income of $26.5 million, up 32% from $20.1 million a year earlier, with diluted earnings per share of $1.04 compared with $0.78. Compared with the fourth quarter of 2025, net income fell 11% from $29.9 million, and the company raised its quarterly dividend to $0.52 per share.
Net income of $26.5 million for the three months ended March 31, 2026, up $6.4 million from $20.1 million a year earlier
Diluted EPS of $1.04, up from $0.78; down from $1.16 in the fourth quarter of 2025
Net interest margin of 3.49%, up 9 basis points from 3.40% a year earlier
Cash dividend of $0.52 per share, up 4% from $0.50; the company repurchased 336,853 shares for $19.2 million in the quarter
Lakeland Financial Corporation reported record fourth-quarter 2025 net income of $29.9 million, up 24% from $24.2 million a year earlier, with diluted earnings per share of $1.16 versus $0.94. For the full year, net income rose 11% to $103.4 million and diluted EPS rose 10% to $4.01, and the company declared a fourth-quarter dividend of $0.52 per share.
Q4 2025 net income was $29.9 million, up $5.7 million or 24% from Q4 2024; diluted EPS was $1.16 versus $0.94.
Full-year 2025 net income was $103.4 million, up 11% from $93.5 million; diluted EPS was $4.01 versus $3.63.
Net interest margin improved 23 basis points to 3.48% in Q4 2025, and total revenue rose 10% to $69.8 million.
The fourth-quarter dividend is $0.52 per share, payable February 5, 2026, to holders of record as of January 25, 2026; the company repurchased $19.6 million of stock in 2025.
Lakeland Financial Corporation said Donald J. Robinson-Gay was appointed Executive Vice President and Chief Credit Officer of the company and Lake City Bank, effective January 14, 2026. He had already served as the bank's Chief Credit Officer since January 30, 2023, so the change is a title promotion within the bank's credit division. The filing does not disclose a new salary figure, and the change does not involve the CEO or CFO.
Effective date: January 14, 2026; he previously held the Senior Vice President and Chief Credit Officer role from January 30, 2023
He joined Lake City Bank in 2018 and was named Senior Vice President and Regional Credit Officer on July 14, 2020
On January 14, 2026, the company entered a Change in Control Agreement with him, filed as Exhibit 10.1
The press release dated January 15, 2026 is filed as Exhibit 99.1; the 8-K spells his surname both as Robinson-Day and Robinson-Gay
Lakeland Financial reported third-quarter 2025 net income of $26.4 million, up 13% from a year earlier, with diluted EPS of $1.03. Net interest income rose 14% and nine-month net income reached $73.5 million, up 6%. Shareholders get a year-over-year gain in both profit and per-share earnings, though third-quarter net income was 2% lower than the second quarter.
Q3 2025 net income was $26.4 million, up $3.1 million or 13% from $23.3 million in Q3 2024
Q3 2025 diluted EPS was $1.03, up $0.12 or 13% from $0.91; down $0.01 from $1.04 in Q2 2025
Nine-month net income was $73.5 million and diluted EPS was $2.85, up 6% from the prior-year period
Quarterly dividend of $0.50 per share is payable November 5, 2025, to holders of record as of October 25, 2025
Lakeland Financial reported record second quarter 2025 net income of $27.0 million, up 20% from $22.5 million a year earlier, with diluted EPS of $1.04 versus $0.87. Net interest income rose 14% to $54.9 million, and provision expense fell to $3.0 million from $8.5 million, while noninterest income fell 44% because of a prior-year Visa share gain.
Q2 2025 net income $27.0 million, up 20% from $22.5 million; diluted EPS $1.04 versus $0.87
Net interest income $54.9 million, up 14%; net interest margin 3.42% versus 3.17%
Provision expense $3.0 million versus $8.5 million; nonaccrual loans fell 46% to $30.6 million
Quarterly dividend of $0.50 per share payable August 5, 2025, to holders of record July 25, 2025
On May 13, 2025, Lakeland Financial Corporation's board appointed Dan Starr and Mindy Creighton Truex as directors of the company and of its subsidiary, Lake City Bank. Starr joined the Governance Committee and Creighton Truex joined the Audit Committee, and the company announced the appointments in a press release dated May 14, 2025. The filing describes the appointments as board additions and does not describe any change to executive roles or financial results.
Appointed by the board on May 13, 2025, as directors of Lakeland Financial and Lake City Bank
Dan Starr is CEO of Do it Best Corp. and was named to the Governance Committee
Mindy Creighton Truex is President of Creighton Brothers Farms LLC and was named to the Audit Committee
Lakeland Financial reported first-quarter 2025 net income of $20.1 million, down 14% from a year earlier, and diluted EPS of $0.78 versus $0.91. Revenue rose 6% and net interest income grew 12%, but a higher provision for credit losses, mainly tied to one $43.3 million nonperforming credit, weighed on profit. The board also set a $0.50 per share dividend, up 4% from the prior year, and extended the share repurchase program through April 30, 2027.
Net income was $20.1 million, down $3.3 million or 14% from $23.4 million in Q1 2024; diluted EPS was $0.78 versus $0.91.
Net interest income rose 12% to $52.9 million, and net interest margin improved to 3.40% from 3.15%.
Provision for credit losses was $6.8 million versus $1.5 million, mainly due to an increase in the specific allocation for a $43.3 million nonperforming credit to an industrial company in Northern Indiana.
Cash dividend of $0.50 per share is payable May 5, 2025; the repurchase program runs through April 30, 2027 with $30.0 million of remaining authority.
Lakeland Financial Corporation appointed Stephanie R. Leniski as Executive Vice President and Chief Retail Banking Officer of the Company and its subsidiary Lake City Bank. The Company entered into a Change in Control Agreement with her on February 19, 2025, on the same form used for certain named executive officers. The filing contains no financial results, and the role's compensation terms beyond this agreement are not stated.
Stephanie R. Leniski named Executive Vice President and Chief Retail Banking Officer of Lakeland Financial and Lake City Bank
Change in Control Agreement entered into on February 19, 2025, filed as Exhibit 10.1
Agreement uses the same form as certain named executive officers; summary is in the 2024 proxy statement filed February 29, 2024
Lakeland Financial Corporation filed forms of time-based and performance-based restricted stock unit award agreements under its 2017 Amended and Restated Equity Incentive Plan. The filing says the agreements may be used for future awards, and it does not name any recipients, grant sizes or officer changes.
Exhibit 10.1 is a form of time-based RSU award agreement that vests based on continued service.
Exhibit 10.2 is a form of performance-based RSU award agreement that vests based on performance measures set by the company over a period it will determine.
The filing states the agreements may be used for awards under the 2017 Plan in the future; it is signed January 31, 2025 by CFO Lisa M. O'Neill.
Lakeland Financial Corporation reported fourth-quarter 2024 net income of $24.2 million, down 18% from a year earlier, with diluted earnings per share of $0.94 versus $1.16. For the full year, net income was $93.5 million versus $93.8 million in 2023, and diluted EPS was $3.63 versus $3.65, so shareholders saw slightly lower annual earnings despite higher revenue.
Q4 2024 net income was $24.2 million, down $5.4 million or 18% from $29.6 million; diluted EPS was $0.94 versus $1.16 a year earlier.
Full-year 2024 net income was $93.5 million versus $93.8 million for 2023; diluted EPS was $3.63 versus $3.65.
Full-year provision expense rose to $16.8 million, up 186%, mainly from a $43.3 million credit downgrade to an industrial company in Northern Indiana.
Board approved a $0.50 per share fourth-quarter dividend, payable February 5, 2025, to shareholders of record as of January 25, 2025.
Lakeland Financial Corporation said Stephanie R. Leniski was appointed Executive Vice President and Chief Retail Banking Officer of the Company and Lake City Bank, effective January 15, 2025. She has worked at the bank since 2002 and most recently led the Retail Banking division from 2019. The filing discloses no financial results, and the appointment is a senior officer change in a leadership role overseeing the bank's 54 offices.
Stephanie R. Leniski, age 50, appointed EVP and Chief Retail Banking Officer, effective January 15, 2025
Leniski joined Lake City Bank in 2002 and has led the Retail Banking division since 2019
Oversees the bank's 54 offices and 286 Retail Banking team members
Announced in a press release dated January 16, 2025 (Exhibit 99.1)
Lakeland Financial reported third-quarter 2024 net income of $23.3 million, down 8% from $25.3 million a year earlier, with diluted earnings per share of $0.91 versus $0.98. Revenue rose 3% to $61.2 million, and net income for the first nine months of 2024 rose 8% to $69.3 million, so shareholders see a mixed quarter against a stronger year-to-date picture.
Q3 2024 net income $23.3 million, down $1.9 million (8%) from $25.3 million in Q3 2023
Q3 2024 diluted EPS $0.91, down 7% from $0.98; up 5% from $0.87 in Q2 2024
Nine-month 2024 net income $69.3 million, up 8%; diluted EPS $2.69, up 8%
Board approved a Q3 cash dividend of $0.48 per share, up 4% from $0.46, payable November 5, 2024
Lakeland Financial reported second-quarter 2024 net income of $22.5 million, up 54% from $14.6 million a year earlier, with diluted earnings per share of $0.87 versus $0.57. Net income fell 4% from the first quarter, and the quarter included a $9.0 million Visa share gain and a $4.5 million litigation accrual. Nonperforming loans rose to $57.2 million, mainly from one $43.3 million commercial relationship, which matters to shareholders because it signals higher credit risk.
Q2 2024 net income of $22.5 million, up $7.9 million or 54% from Q2 2023; diluted EPS $0.87 versus $0.57
Net income down $852,000, or 4%, from $23.4 million in Q1 2024
Q2 results included a $9.0 million net gain on Visa shares and a $4.5 million litigation accrual
Nonperforming loans rose to $57.2 million from $18.0 million a year earlier, driven by one $43.3 million commercial relationship
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