LKFN · Lakeland Financial Corporation

This 8-K serves as a Regulation FD disclosure vehicle for Lakeland Financial Corporation’s First Quarter 2026 investor presentation (Exhibit 99.1), which provides updated financial and operational metrics but does not constitute a formal earnings release or filed financial statement. The presentation emphasizes balance sheet strength — including a 10.53% tangible common equity to tangible assets ratio and $35.07 adjusted tangible book value per share as of March 31, 2026 — alongside income statement dynamics, notably a 9 basis point net interest margin expansion year-over-year to 3.50%. This margin improvement reflects active liability management during the recent easing cycle, with deposit costs falling from a peak of 2.90% in Q2 2024 to 2.12% in Q1 2026, while loan repricing lagged. The bank’s deposit franchise remains diversified and granular: 98% of accounts are below the FDIC insurance threshold, and commercial deposits grew 24% in number since December 2019. Though no forward guidance is quantified in the filing, management underscores continued focus on organic growth, credit discipline, and technology-enabled execution — consistent with its long-term strategy rather than signaling near-term strategic shifts or material events requiring Tier 1 disclosure.