LAKELAND FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Feb 25, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 25, 2026
LKFN$62.09-0.2%Stored close · as of Nov 10, 2026
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Item 15. Exhibits and Financial Statement Schedules
(a)The following financial statements are filed as part of this annual report:
Report of Independent Registered Public Accounting Firm
Consolidated Balance Sheets as of December 31, 2025 and 2024
Consolidated Statements of Income, years ended December 31, 2025, 2024 and 2023
Consolidated Statements of Comprehensive Income, years ended December 31, 2025, 2024 and 2023
Consolidated Statements of Stockholders' Equity, years ended December 31, 2025, 2024 and 2023
Consolidated Statements of Cash Flows, years ended December 31, 2025, 2024 and 2023
Notes to the Consolidated Financial Statements
(b)Exhibits
| Exhibit No. | Document | Location |
| 3.1 | Amended and Restated Articles of Incorporation of Lakeland Financial Corporation | Exhibit 3.1 to the Company's Form 10-K for the fiscal year ended December 31, 2022 |
| 3.2 | Restated Bylaws of Lakeland Financial Corporation, as amended | Exhibit 3.1 to the Company's Form 10-K for the fiscal year ended December 31, 2022 |
| 4.1 | Form of Common Stock Certificate | Exhibit 4.1 to the Company’s Form 10-K for the fiscal year ended December 31, 2003 |
| 4.2 | Description of Securities | Exhibit 4.4 to the Company's Form 10-K for the fiscal year ended December 31, 2019 |
| 10.1* | Lakeland Financial Corporation 2008 Equity Incentive Plan | Exhibit 10.1 to the Company’s Form S-8 filed on May 14, 2008 |
| 10.2* | Amended and Restated Lakeland Financial Corporation Director’s Fee Deferral Plan | Exhibit 10.4 to the Company’s Form 10-K for the fiscal year ended December 31, 2008 |
| 10.3* | Form of Change in Control Agreement entered into with David M. Findlay, Kevin L. Deardorff, Eric H. Ottinger, Michael E. Gavin, Lisa M. O’Neill and Kristin L. Pruitt | Exhibit 10.1 of the Company’s Form 8-K filed on March 2, 2016 |
| 10.4* | Amended and Restated Employee Deferred Compensation Plan | Exhibit 10.7 to the Company’s Form 10-K for the fiscal year ended December 31, 2008 |
| 10.5* | First Amendment to Amended and Restated Employee Deferred Compensation Plan | Exhibit 10.6 to the Company's Form 10-K for the fiscal year ended December 31, 2020 |
| 10.6* | Executive Incentive Bonus Plan | Exhibit 10.11 to the Company’s Form 10-K for the fiscal year ended December 31, 2004 |
| 10.7* | Amended and Restated Long Term Incentive Plan | Exhibit 10.1 to the Company’s Form10-Q for the quarter ended September 30, 2009 |
| 10.8* | Lakeland Financial Corporation 2013 Equity Incentive Plan | Appendix A to the Definitive Proxy Statement on Form DEF-14A filed on March 4, 2013 |
| 10.9* | Form of Restricted Stock Award Agreement | Exhibit 4.3 to the Company’s Form S-8 filed on July 9, 2013 |
|---|---|---|
| 10.10* | Form of Nonqualified Stock Option Award Agreement | Exhibit 4.4 to the Company’s Form S-8 filed on July 9, 2013 |
| 10.11* | Form of Restricted Stock Unit Award Agreement | Exhibit 4.5 to the Company’s Form S-8 filed on July 9, 2013 |
| 10.12* | Lakeland Financial Corporation 2017 Equity Incentive Plan | Exhibit 4.5 to the Company’s Form S-8 filed on April 13, 2017 |
| 10.13* | Form of Restricted Stock Unit Award Agreement | Exhibit 4.6 to the Company’s Form S-8 filed on April 13, 2017 |
| 10.14* | Form of Restricted Stock Award Agreement | Exhibit 4.7 to the Company’s Form S-8 filed on April 13, 2017 |
| 10.15* | Form of Restricted Stock Award Agreement | Exhibit 4.8 to the Company’s Form S-8 filed on April 13, 2017 |
| 10.16* | Form of Nonqualified Stock Option Award Agreement | Exhibit 4.9 to the Company’s Form S-8 filed on April 13, 2017 |
| 10.17* | Lakeland Financial Corporation Amended and Restated 2017 Equity Incentive Plan | Exhibit 10.1 to the Company's Form 10-Q for the quarter ended September 30, 2021 |
| 10.18* | Form of Lakeland Financial Corporation 2017 Amended and Restated Equity Incentive Plan Time-Based Restricted Stock Unit Award Agreement | Exhibit 10.1 to the Company's Form 8-K filed on January 31, 2025 |
| 10.19* | Form of Lakeland Financial Corporation 2017 Amended and Restated Equity Incentive Plan Performance-Based Restricted Stock Unit Award Agreement | Exhibit 10.2 to the Company's Form 8-K filed on January 31, 2025 |
| 10.20* | Lakeland Financial Corporation 2025 Equity Incentive Plan | Exhibit 10.1 to the Company's Form 8-K filed on April 9, 2025 |
| 10.21* | Form of Lakeland Financial Corporation 2025 Equity Incentive Plan Time-Based Restricted Stock Unit Award Agreement | Exhibit 99.2 to the Company's Form S-8 filed on April 9, 2025 |
| 10.22* | Form of Lakeland Financial Corporation 2025 Equity Incentive Plan Performance-Based Restricted Stock Unit Award Agreement | Exhibit 99.3 to the Company's Form S-8 filed on April 9, 2025 |
| 19.1 | Lakeland Financial Corporation Insider Trading Policy | Exhibit 19.1 to the Company's Form 10-K filed on February 21, 2024 |
| 21.1 | Subsidiaries | Attached hereto |
| 23.1 | Consent of Independent Registered Public Accounting Firm | Attached hereto |
| 31.1 | Certification of Chief Executive Officer Pursuant to Rule 13a-15(e)/15d-15(e) and 13(a)-15(f)/15d-15(f) | Attached hereto |
| 31.2 | Certification of Chief Financial Officer Pursuant to Rule 13a-15(e)/15d-15(e) and 13(a)-15(f)/15d-15(f) | Attached hereto |
| 32.1 | Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 | Attached hereto |
| 32.2 | Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 | Attached hereto |
- Management contract or compensatory plan or arrangement.
| 101.INS | XBRL Instance Document - the instance document does not appear in the Interactive Data File because XBRL tags are embedded within the Inline XBRL document |
| 101.SCH | XBRL Taxonomy Extension Schema Document |
| 101.CAL | XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document contained in Exhibit 101 |
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