LKFN / Lakeland Financial Corporation - Документы SEC, Годовой отчет, Доверенное заявление

Лейклендская финансовая корпорация
US ˙ NasdaqGS ˙ US5116561003

Основная статистика
CIK 721994
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Lakeland Financial Corporation
SEC Filings (Chronological Order)
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August 6, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

July 25, 2025 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2025 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

presentation20252q Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2025 LKFN L I S T E D 2 David M.

July 25, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2025 LAKELAND FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 25, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2025 LAKELAND FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 25, 2025 EX-99.1

(in thousands) June 30, 2025 March 31, 2025 June 30, 2024 Retail $ 1,755,750 28.4 % $ 1,787,992 30.0 % $ 1,724,777 29.9 % Commercial 2,256,620 36.6 2,336,910 39.2 2,150,127 37.3 Public funds 2,014,047 32.6 1,709,883 28.7 1,727,593 30.0 Core deposits

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Second Quarter Performance; Net Income Grows by 20% to $27.0 Million, as Net Interest Income Expands by 14% Warsaw, Indiana (July 25, 2025) – Lakeland Financial Corporat

July 8, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 8, 2025 LAKELAND FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 8, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 3, 2025 EX-99.1

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2024 and 2023

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2024 and 2023 LAKELAND FINANCIAL CORPORATION 401(K) PLAN Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2024 and 2023 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 1 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 3 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS 4 NOTE

June 3, 2025 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECU

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A.Full title of the plan and the address of the plan

May 14, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 13, 2025 LAKELAND FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 13, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 14, 2025 EX-99.1

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Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Luke Weick Marketing Manager 574 267-9198, x47279 office 260 431-7061 mobile [email protected] Dan Starr and Mindy Creighton Truex Appointed to Lakeland Financial Corporation and Lake City Bank Boards of Directors Warsaw, Indiana (May 14, 2025) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN)

April 30, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKE

April 25, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2025 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2025 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2025 LKFN L I S T E D 2 David M.

April 25, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2025 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) March 31, 2025 December 31, 2024 March 31, 2024 Retail $ 1,787,992 30.0 % $ 1,780,726 30.2 % $ 1,770,007 31.5 % Commercial 2,336,910 39.2 2,269,049 38.4 2,117,536 37.7 Public funds 1,709,883 28.7 1,809,631 30.

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports a 12% Increase in Net Interest Income and Organic Loan Growth of 4% Warsaw, Indiana (April 25, 2025) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent compan

April 9, 2025 EX-99.3

LAKELAND FINANCIAL CORPORATION 2025 EQUITY INCENTIVE PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT

Exhibit 99.3 LAKELAND FINANCIAL CORPORATION 2025 EQUITY INCENTIVE PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT The Participant specified below is hereby granted a performance-based restricted stock unit award (the “Award”) by Lakeland Financial Corporation, an Indiana corporation (the “Company”), under the Lakeland Financial Corporation 2025 Equity Incentive Plan, as may be amended

April 9, 2025 EX-99.2

LAKELAND FINANCIAL CORPORATION 2025 EQUITY INCENTIVE PLAN TIME-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT

Exhibit 99.2 LAKELAND FINANCIAL CORPORATION 2025 EQUITY INCENTIVE PLAN TIME-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT The Participant specified below is hereby granted a time-based restricted stock unit award (the “Award”) by Lakeland Financial Corporation, an Indiana corporation (the “Company”), under the Lakeland Financial Corporation 2025 Equity Incentive Plan, as may be amended from time to

April 9, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 8, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 9, 2025 EX-FILING FEES

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 LAKELAND FINANCIAL CORP Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock, no par value Other 1,100,000 $ 53.

April 9, 2025 S-8

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Lakeland Financial Corporation (Exact name of registrant as specified in its charter)

Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Lakeland Financial Corporation (Exact name of registrant as specified in its charter) Indiana (State or other jurisdiction of incorporation or organization) 35-1559596 (I.R.S. Employer Identification No.) 202 East Center Street, P.O. Box 138

April 9, 2025 EX-10.1

Lakeland Financial Corporation 2025 Equity Incentive Plan, incorporated by reference to Exhibit

1 Exhibit 10.1 LAKELAND FINANCIAL CORPORATION 2025 EQUITY INCENTIVE PLAN Article 1 INTRODUCTION Section 1.1 Purpose, Effective Date and Term. The purpose of this LAKELAND FINANCIAL CORPORATION 2025 EQUITY INCENTIVE PLAN is to: (a) promote the growth, profitability, and long-term financial success of LAKELAND FINANCIAL CORPORATION and its Subsidiaries; (b) incentivize officers, other employees, non

April 8, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 8, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

February 27, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registr

lkfncorpnawithcoverpage UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

February 27, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Defin

February 21, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 19, 2025 LAKELAND FINANCIA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 19, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

February 19, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTI

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 0-11487 LAKELAND FINANCIAL CORPORATION Indiana 35-15

February 19, 2025 EX-21.1

Subsidiaries

Exhibit 21.1 Subsidiaries 1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana. 2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank’s investment portfolio. 3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a real est

January 31, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 31, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 31, 2025 EX-10.2

Form of Lakeland Financial Corporation 2017 Amended and Restated Equity Incentive Plan Performance-

LAKELAND FINANCIAL CORPORATION 2017 AMENDED AND RESTATED EQUITY INCENTIVE PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT The Participant specified below is hereby granted a performance-based restricted stock unit award (the “Award”) by Lakeland Financial Corporation, an Indiana corporation (the “Company”), under the Lakeland Financial Corporation 2017 Amended and Restated Equity Incentive Plan, as may be amended from time to time (the “Plan”).

January 31, 2025 EX-10.1

Form of Lakeland Financial Corporation 2017 Amended and Restated Equity Incentive Plan Time-Based

LAKELAND FINANCIAL CORPORATION 2017 AMENDED AND RESTATED EQUITY INCENTIVE PLAN TIME-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT The Participant specified below is hereby granted a time-based restricted stock unit award (the “Award”) by Lakeland Financial Corporation, an Indiana corporation (the “Company”), under the Lakeland Financial Corporation 2017 Amended and Restated Equity Incentive Plan, as may be amended from time to time (the “Plan”).

January 24, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 24, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 24, 2025 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) December 31, 2024 September 30, 2024 December 31, 2023 Retail $ 1,780,726 30.2 % $ 1,709,899 29.3 % $ 1,794,958 31.4 % Commercial 2,269,049 38.4 2,304,041 39.5 2,227,147 38.9 Public funds 1,809,631 30.7 1,726,

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Annual Net Income of $93.5 million, Organic Average Loan Growth of 5% and Average Deposit Growth of 4% Warsaw, Indiana (January 24, 2025) – Lakeland Financial Corporation (Nasd

January 24, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 24, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 24, 2025 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2024 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2024 LKFN L I S T E D 2 David M.

January 16, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 14, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 16, 2025 EX-99.1

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NEWS FROM LAKE CITY BANK FOR IMMEDIATE RELEASE Contact Luke Weick Vice President Marketing Manager (574) 267-9198 x47279 office (260) 431-7061 mobile luke.

January 14, 2025 EX-99.1

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Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lake City Bank Parent Announces 4% Increase in Quarterly Dividend Warsaw, Indiana (January 14, 2025) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, announ

January 14, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 14, 2025 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 30, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487

October 25, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2024 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2024 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2024 LKFN L I S T E D 2 David M.

October 25, 2024 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) September 30, 2024 June 30, 2024 September 30, 2023 Retail $ 1,709,899 29.3 % $ 1,724,777 29.9 % $ 1,761,235 31.1 % Commercial 2,304,041 39.5 2,150,127 37.3 2,154,853 38.1 Public funds 1,726,869 29.6 1,727,593

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Third Quarter Net Income of $23.3 million, Organic Loan Growth of 5% and Organic Deposit Growth of 4% Warsaw, Indiana (October 25, 2024) – Lakeland Financial Corporation (Nasda

October 16, 2024 SC 13G

LKFN / Lakeland Financial Corporation / STATE STREET CORP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* LAKELAND FINANCIAL CORP (Name of Issuer) COMMON STOCK (Title of Class of Securities) 511656100 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is f

October 8, 2024 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 8, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

July 25, 2024 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) June 30, 2024 March 31, 2024 June 30, 2023 Retail $ 1,724,777 29.9 % $ 1,770,007 31.5 % $ 1,821,607 33.6 % Commercial 2,150,127 37.3 2,117,536 37.7 2,082,564 38.4 Public fund 1,727,593 30.0 1,544,775 27.5 1,45

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Second Quarter Net Income of $22.5 million, and Reaches $5.0 Billion in Total Loans, Representing 5% Annual Average Loan Growth Warsaw, Indiana (July 25, 2024) – Lakeland Finan

July 25, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2024 LAKELAND FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 25, 2024 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2024 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2024 LKFN L I S T E D 2 David M.

July 25, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2024 LAKELAND FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 9, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 9, 2024 LAKELAND FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 9, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 25, 2024 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECU

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A.Full title of the plan and the address of the plan

June 25, 2024 EX-99.1

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2023 and 2022

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2023 and 2022 LAKELAND FINANCIAL CORPORATION 401(K) PLAN Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2023 and 2022 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 1 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 3 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS 4 NOTE

May 1, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKE

April 25, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2024 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) March 31, 2024 December 31, 2023 March 31, 2023 Retail $ 1,770,007 31.5 % $ 1,794,958 31.4 % $ 1,894,707 34.3 % Commercial 2,117,536 37.7 2,227,147 38.9 2,105,512 38.2 Public fund 1,544,775 27.5 1,563,015 27.3

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports First Quarter Net Income of $23.4 Million and 5% Annualized Average Loan Growth Warsaw, Indiana (April 25, 2024) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), p

April 25, 2024 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2024 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2024 LKFN L I S T E D 2 David M.

April 10, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 9, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 9, 2024 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 9, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

February 29, 2024 DEFA14A

Your Vote Counts! LAKELAND FINANCIAL CORPORATION *Please check the meeting materials for any special requirements for meeting attendance. Smartphone users Point your camera here and vote without entering a control number For complete information and

Your Vote Counts! LAKELAND FINANCIAL CORPORATION *Please check the meeting materials for any special requirements for meeting attendance.

February 29, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Defin

February 21, 2024 EX-97.1

Clawback Policy

Exhibit 97.1 LAKELAND FINANCIAL CORPORATION CLAWBACK POLICY 1.Introduction. The Board of Directors (the “Board”) of Lakeland Financial Corporation (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (the “Policy”), which provides for the recovery of certain incentive compensation in the event of an Accounting Restatement (as d

February 21, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTI

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 0-11487 LAKELAND FINANCIAL CORPORATION Indiana 35-15

February 21, 2024 EX-21.1

Subsidiaries

Exhibit 21.1 Subsidiaries 1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana. 2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank’s investment portfolio. 3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a real est

February 21, 2024 EX-19.1

Lakeland Financial Corporation

Exhibit 19.1 LAKELAND FINANCIAL CORPORATION INSIDER TRADING AND SECTION 16 POLICY Statement of Policy Directors, officers and employees (each, a “Covered Person”) of Lakeland Financial Corporation and its subsidiaries (collectively, the “Company”), and the Company itself, must not, directly or indirectly, purchase, sell or otherwise dispose of Company securities in violation of insider trading law

February 13, 2024 SC 13G/A

LKFN / Lakeland Financial Corporation / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01310-lakelandfinancialcor.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 2)* Name of issuer: Lakeland Financial Corp Title of Class of Securities: Common Stock CUSIP Number: 511656100 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to

February 13, 2024 SC 13G/A

LKFN / Lakeland Financial Corporation / Neuberger Berman Group LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 2)* LAKELAND FINANCIAL CORP (Name of Issuer) Common (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sch

February 7, 2024 SC 13G

LKFN / Lakeland Financial Corporation / VICTORY CAPITAL MANAGEMENT INC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Lakeland Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

January 25, 2024 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) December 31, 2023 September 30, 2023 December 31, 2022 Retail $ 1,794,958 31.4 % $ 1,761,235 31.1 % $ 1,934,787 35.4 % Commercial 2,227,147 38.9 2,154,853 38.1 2,085,934 38.2 Public fund 1,563,015 27.3 1,563,5

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Annual Net Income of $93.8 Million and 9% Annualized Average Loan Growth Warsaw, Indiana (January 25, 2024) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent

January 25, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 25, 2024 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2023 LKFN L I S T E D 2 David M. Findlay Chairman & Chief Executive Officer [email protected] (574) 267‐9197 Kris

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2023 LKFN L I S T E D 2 David M.

January 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 25, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 9, 2024 EX-99.1

#

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lake City Bank Parent Announces 4% Increase in Quarterly Dividend Warsaw, Indiana (January 9, 2024) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, announc

January 9, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 9, 2024 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 14, 2023 EX-99.1

# # #

NEWS FROM LAKE CITY BANK FOR IMMEDIATE RELEASE Contact Mary Horan Director of Marketing and Public Relations 574 371-9280 office 574 377-9150 mobile mary.

November 14, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 14, 2023 LAKELAND FINANCIA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 14, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 1, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487

October 25, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2023 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) September 30, 2023 June 30, 2023 September 30, 2022 Retail $ 1,761,235 31.1 % $ 1,821,607 33.6 % $ 2,056,626 36.3 % Commercial 2,154,853 38.1 2,082,564 38.4 2,116,390 37.4 Public fund 1,563,557 27.7 1,450,527

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Net Income of $25.3 Million for the Third Quarter and 10% Annualized Average Loan Growth Warsaw, Indiana (October 25, 2023) – Lakeland Financial Corporation (Nasdaq Global Sele

October 25, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2023 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2023 LKFN L I S T E D 2 David M. Findlay Chief Executive Officer [email protected] (574) 267‐9197 Kristin L. Prui

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2023 LKFN L I S T E D 2 David M.

October 10, 2023 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 10, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 2, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

July 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 21, 2023 LAKELAND FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 21, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 21, 2023 LAKELAND FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 21, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 21, 2023 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2023 LKFN L I S T E D 2 David M. Findlay Chief Executive Officer [email protected] (574) 267‐9197 Kristin L. Prui

presentation20232q Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2023 LKFN L I S T E D 2 David M.

July 21, 2023 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) June 30, 2023 March 31, 2023 June 30, 2022 Retail $ 1,821,607 33.6 % $ 1,894,707 34.3 % $ 2,061,051 36.7 % Commercial 2,082,564 38.4 2,105,512 38.2 2,092,346 37.2 Public fund 1,450,527 26.7 1,356,851 24.6 1,45

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports 10% Loan Growth and Net Income of $14.6 million for the Second Quarter Warsaw, Indiana (July 21, 2023) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent comp

July 11, 2023 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 11, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 22, 2023 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECU

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A.Full title of the plan and the address of the plan

June 22, 2023 EX-99.1

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2022 and 2021

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2022 and 2021 LAKELAND FINANCIAL CORPORATION 401(K) PLAN Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2022 and 2021 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 1 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 3 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS 4 NOTE

May 10, 2023 EX-99.1

# # #

NEWS FROM LAKE CITY BANK FOR IMMEDIATE RELEASE Contact Mary Horan Director of Marketing and Public Relations 574 371-9280 office 574 377-9150 mobile mary.

May 10, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 9, 2023 LAKELAND FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 9, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 26, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKE

April 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2023 LAKELAND FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2023 EX-99.1

DEPOSIT DETAIL (unaudited, in thousands) March 31, 2023 December 31, 2022 March 31, 2022 Retail $ 1,894,707 34.3 % $ 1,934,787 35.4 % $ 2,187,733 37.6 % Commercial 2,105,512 38.2 2,085,934 38.2 2,282,081 39.2 Public fund 1,356,851 24.6 1,429,872 26.1

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record First Quarter Performance; Balance Sheet Strength Highlights the Quarter Warsaw, Indiana (April 25, 2023) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), p

April 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2023 LAKELAND FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2023 EX-99.1

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2023 LKFN L I S T E D 2 David M. Findlay President & Chief Executive Officer [email protected] (574) 267‐9197 Lis

presentation20231q Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2023 LKFN L I S T E D 2 David M.

April 12, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 11, 2023 LAKELAND FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 11, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 11, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 11, 2023 LAKELAND FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 11, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 15, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 15, 2023 LAKELAND FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 15, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 15, 2023 EX-99.1

3/15/2023 Lake City Bank has operated successfully for 150 years since our founding in 1872. We’re a community bank with a strong history of consistent financial performance, as detailed on our Lake City Bank Fact Sheet. In addition we have built a r

lcbstatementoffinancials 3/15/2023 Lake City Bank has operated successfully for 150 years since our founding in 1872.

March 2, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registr

DEFA14A 1 lkfncorpnawithcoverpage.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission O

March 2, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Defin

February 22, 2023 EX-3.1

Amended and Restated Articles of Incorporation of Lakeland Financial Corporation

AMENDED AND RESTATED ARTICLES OF INCORPORATION OF LAKELAND FINANCIAL CORPORATION ARTICLE I Name The name of the Corporation is Lakeland Financial Corporation.

February 22, 2023 EX-21.0

Subsidiaries

Exhibit 21.0 Subsidiaries 1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana. 2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank’s investment portfolio. 3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a real est

February 22, 2023 EX-3.2

Restated Bylaws of Lakeland Financial Corporation, as amended

RESTATED BYLAWS of LAKELAND FINANCIAL CORPORATION November, 2011 ARTICLE I Section 1.

February 22, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTI

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 0-11487 LAKELAND FINANCIAL CORPORATION Indiana 35-15

February 10, 2023 SC 13G/A

LKFN / Lakeland Financial Corporation / Neuberger Berman Group LLC - NONE Passive Investment

SC 13G/A 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* LAKELAND FINANCIAL CORP (Name of Issuer) Common (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 9, 2023 SC 13G/A

LKFN / Lakeland Financial Corporation / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01270-lakelandfinancialcor.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 1)* Name of issuer: Lakeland Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 511656100 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box t

January 26, 2023 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M. Findlay President & Chief Executive Officer [email protected] (574) 267‐9197 L

A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M.

January 26, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 26, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 25, 2023 EX-99.1

LAKELAND FINANCIAL CORPORATION FOURTH QUARTER 2022 FINANCIAL HIGHLIGHTS

EX-99.1 2 lkfn-2023125exhibit991.htm EX-99.1 Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Annual Performance; Record Annual Net Income Improves by 8% to $103.8 Million Warsaw, Indiana (January 25, 2023) – Lakeland

January 25, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 25, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 17, 2023 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 10, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 17, 2023 EX-99.1

###

NEWS FROM LAKE CITY BANK FOR IMMEDIATE RELEASE Contact Mary Horan Director of Marketing and Public Relations 574 371-9280 office 574 377-9150 mobile mary.

January 10, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 10, 2023 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 10, 2023 EX-99.1

#

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lake City Bank Parent Announces 15% Increase in Quarterly Dividend Warsaw, Indiana (January 10, 2023) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, annou

October 26, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487

October 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2022 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M. Findlay President & Chief Executive Officer [email protected] (574) 267-9197 L

A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M.

October 25, 2022 EX-99.1

LAKELAND FINANCIAL CORPORATION THIRD QUARTER 2022 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Quarterly Performance; Year-to-Date Record Net Income Improves by 9% to $77.8 million Warsaw, Indiana (October 25, 2022) ? Lakeland Financial Corporation (Nasdaq Global

October 11, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 11, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 3, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

August 1, 2022 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M. Findlay President & Chief Executive Officer [email protected] (574) 267‐9197 L

A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M.

August 1, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 1, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 25, 2022 EX-99.1

LAKELAND FINANCIAL CORPORATION SECOND QUARTER 2022 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Second Quarter 2022 Performance; Year-to-Date Record Net Income Improves by 4% to $49.3 million Warsaw, Indiana (July 25, 2022) ? Lakeland Financial Corporation (Nasdaq

July 12, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 12, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 22, 2022 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECU

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A.Full title of the plan and the address of the plan

June 22, 2022 EX-99.1

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2021 and 2020

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2021 and 2020 LAKELAND FINANCIAL CORPORATION 401(K) PLAN Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2021 and 2020 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 1 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 3 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS 4 NOTE

April 29, 2022 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M. Findlay President & Chief Executive Officer [email protected] (574) 267‐9197 L

A Proven History of Shareholder Value Creation And Commitment to Our Communities 1st Quarter 2022 Lakeland Financial Corporation LKFN L I S T E D 2 3 David M.

April 29, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 29, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 27, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKE

April 25, 2022 EX-99.1

LAKELAND FINANCIAL CORPORATION FIRST QUARTER 2022 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record First Quarter 2022 Performance Warsaw, Indiana (April 25, 2022) ? Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today rep

April 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 25, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 13, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 12, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 12, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 12, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 3, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 3, 2022 DEFA14A

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

February 23, 2022 EX-21.0

Subsidiaries

Exhibit 21.0 Subsidiaries 1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana. 2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank?s investment portfolio. 3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a real est

February 23, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTI

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 0-11487 LAKELAND FINANCIAL CORPORATION Indiana 35-15

February 14, 2022 SC 13G

LKFN / Lakeland Financial Corporation / Neuberger Berman Group LLC - NONE Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. n/a )* LAKELAND FINANCIAL CORP (Name of Issuer) Common (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sc

February 10, 2022 SC 13G

LKFN / Lakeland Financial Corporation / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: Lakeland Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 511656100 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 13d-1(b)

February 2, 2022 SC 13G/A

LKFN / Lakeland Financial Corporation / VICTORY CAPITAL MANAGEMENT INC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 ( Amendment No. 1)* Lakeland Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th

January 28, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 28, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 28, 2022 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2021 Lakeland Financial Corporation LKFN L I S T E D David M. Findlay President & Chief Executive Officer [email protected] (574) 267‐9197 Lisa

A Proven History of Shareholder Value Creation And Commitment to Our Communities 4th Quarter 2021 Lakeland Financial Corporation LKFN L I S T E D David M.

January 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 25, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 25, 2022 EX-99.1

Outstanding (1)

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Annual Performance Year-to-Date Record Net Income Improves by 13% to $95.7 Million Warsaw, Indiana (January 25, 2022) ? Lakeland Financial Corporation (Nasdaq Global Sel

January 14, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 11, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 14, 2022 EX-99.1

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Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Mary Horan Vice President, Director of Marketing and Public Relations (574) 371-9280 office (574) 377-9150 mobile [email protected] Faraz Abbasi Appointed to Lakeland Financial Corporation and Lake City Bank Boards Warsaw, Indiana (January 14, 2022) ? Lakeland Financial Corporation (Nasdaq Global Select/L

January 11, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 11, 2022 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 11, 2022 EX-99.1

#

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lake City Bank Parent Announces 18% Increase in Quarterly Dividend Warsaw, Indiana (January 11, 2022) ? Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, annou

November 9, 2021 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2021 Lakeland Financial Corporation LKFN L I S T E D David M. Findlay President & Chief Executive Officer [email protected] (574) 267‐9197 Lisa

A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2021 Lakeland Financial Corporation LKFN L I S T E D David M.

November 9, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 9, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487

October 27, 2021 EX-10.1

Lakeland Financial Corporation Amended and Restated 2017 Equity Incentive Plan

Exhibit 10.1 Lakeland Financial Corporation Amended and Restated 2017 Equity Incentive Plan Article 1 Introduction Section 1.1Purpose, Effective Date and Term. The purpose of this Lakeland Financial Corporation Amended and Restated 2017 Equity Incentive Plan is to: (a) promote the growth, profitability, and long-term financial success of Lakeland Financial Corporation and its Subsidiaries; (b) inc

October 25, 2021 EX-99.1

Outstanding (1)

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Third Quarter 2021 Performance; Year-to-Date Record Net Income Improves by 20% to $71.5 Million Warsaw, Indiana (October 25, 2021) ? Lakeland Financial Corporation (Nasd

October 25, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 12, 2021 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 12, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 4, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ☐ TRANSITION REPORT PURSUANT TO S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

August 2, 2021 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2021 Lakeland Financial Corporation LKFN L I S T E D David M. Findlay President & Chief Executive Officer [email protected] (574) 267-9197 Lisa

EX-99.1 2 presentation20212q.htm EX-99.1 A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2021 Lakeland Financial Corporation LKFN L I S T E D David M. Findlay President & Chief Executive Officer [email protected] (574) 267-9197 Lisa M. O’Neill Executive Vice President & Chief Financial Officer [email protected] (574) 267-9125 2 T

August 2, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 2, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 29, 2021 EX-99.1

1

NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial to be added to the S&P SmallCap 600 Index Warsaw, Indiana (July 29, 2021) ? Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, will be added to the S&P Sm

July 29, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 29, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 26, 2021 EX-99.1

Outstanding (1)

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Second Quarter 2021 Performance Warsaw, Indiana (July 26, 2021) ? Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today rep

July 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 26, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 13, 2021 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 13, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 28, 2021 EX-99.1

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2020 and 2019

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2020 and 2019 LAKELAND FINANCIAL CORPORATION 401(K) PLAN Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2020 and 2019 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 2 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 4 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS 5 NOTE

June 28, 2021 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECU

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A.Full title of the plan and the address of the plan

May 4, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 4, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 4, 2021 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 1 st Quarter 2021 Lakeland Financial Corporation LKFN LISTED

Exhibit 99.1 A Proven History of Shareholder Value Creation And Commitment to Our Communities 1 st Quarter 2021 Lakeland Financial Corporation LKFN LISTED David M. Findlay President & Chief Executive Officer [email protected] (574) 267 - 9197 Lisa M. O?Neill Executive Vice President & Chief Financial Officer [email protected] (574) 267 - 9125 2 This presentation contains, a

April 30, 2021 10-Q

Quarterly Report - FORM 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 26, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 26, 2021 EX-99.1

LAKELAND FINANCIAL CORPORATION FIRST QUARTER 2021 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O?Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record First Quarter 2021 Performance Warsaw, Indiana (April 26, 2021) ? Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today rep

April 14, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 13, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 13, 2021 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 13, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 4, 2021 DEFA14A

- LAKELAND FINANCIAL CORPORATION 2021 PROXY NOTICE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 4, 2021 DEF 14A

- LAKELAND FINANCIAL CORPORATION 2021 PROXY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 4, 2021 DEF 14A

- LAKELAND FINANCIAL CORPORATION 2021 PROXY

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February 23, 2021 EX-21

Subsidiaries

Exhibit 21.0 ? Subsidiaries ? 1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana. ? 2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank?s investment portfolio. ? 3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a

February 23, 2021 EX-10.6

First Amendment to Amended and Restated Employee Deferred Compensation Plan

Exhibit 10.6 ? LAKELAND FINANCIAL CORPORATION UNANIMOUS WRITTEN CONSENT OF THE BOARD OF DIRECTORS PURSUANT TO CHAPTER 34 OF THE INDIANA BUSINESS CORPORATION LAW ? DECEMBER 17, 2020 The undersigned, being all of the directors of LAKELAND FINANCIAL CORPORATION, an Indiana corporation (the ?Company?), entitled to vote on the matters discussed herein, acting pursuant to Chapter 34 of the Indiana Busin

February 23, 2021 10-K

Annual Report - FORM 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

February 23, 2021 EX-4.4

Description of Securities

Exhibit 4.4 ? DESCRIPTION OF THE COMPANY?S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 The common stock of Lakeland Financial Corporation (the ?Company,? which is also referred to herein as ?we,? ?our? or ?us?) is registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended. The following description of the material terms of the Compa

February 9, 2021 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 ( Amendment No. )* Lakeland Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) (CUSIP Number) Dec

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 ( Amendment No. )* Lakeland Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2020 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

February 4, 2021 SC 13G/A

CUSIP NO. 511656100 13G Page 1 of 7

lake20a3.htm - Generated by SEC Publisher for SEC Filing CUSIP NO. 511656100 13G Page 1 of 7 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* LAKELAND FINANCIAL CORPORATION (Name of Issuer) Common stock, No par value (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2020 (Date of Eve

February 3, 2021 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 4 th Quarter 2020 Lakeland Financial Corporation LKFN LISTED

Exhibit 99.1 A Proven History of Shareholder Value Creation And Commitment to Our Communities 4 th Quarter 2020 Lakeland Financial Corporation LKFN LISTED David M. Findlay President & Chief Executive Officer [email protected] (574) 267 - 9197 Lisa M. O’Neill Executive Vice President & Chief Financial Officer [email protected] (574) 267 - 9125 2 This presentation contains, a

February 3, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 3, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 25, 2021 EX-99.1

LAKELAND FINANCIAL CORPORATION FOURTH QUARTER 2020 FINANCIAL HIGHLIGHTS

EX-99.1 2 tm213924d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Quarterly Performance Warsaw, Indiana (January 25, 2021) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent

January 25, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 25, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 13, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 12, 2021 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 13, 2021 EX-99.1

NEWS FROM LAKELAND FINANCIAL CORPORATION

EX-99.1 2 tm213037d1ex99-1.htm EXHIBIT 99-1 Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 office [email protected] Lake City Bank Parent Announces 13% Increase in Quarterly Dividend Warsaw, Indiana (January 13, 2021) – Lakeland Financial Corporation (Nasdaq Global Se

November 19, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 19, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 19, 2020 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 3 rd Quarter 2020 Lakeland Financial Corporation LKFN LISTED

EX-99.1 2 tm2036435d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 A Proven History of Shareholder Value Creation And Commitment to Our Communities 3 rd Quarter 2020 Lakeland Financial Corporation LKFN LISTED David M. Findlay President & Chief Executive Officer [email protected] (574) 267 - 9197 Lisa M. O’Neill Executive Vice President & Chief Financial Officer [email protected] (57

October 28, 2020 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487

October 26, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 26, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 26, 2020 EX-99.1

LAKELAND FINANCIAL CORPORATION THIRD QUARTER 2020 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Third Quarter 2020 Performance Warsaw, Indiana (October 26, 2020) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today r

October 13, 2020 8-K

Regulation FD Disclosure - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 13, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 5, 2020 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

July 27, 2020 EX-99.1

LAKELAND FINANCIAL CORPORATION AVERAGE BALANCE SHEET AND NET INTEREST ANALYSIS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Second Quarter 2020 Performance Warsaw, Indiana (July 27, 2020) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported q

July 27, 2020 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 2 nd Quarter 2020 Lakeland Financial Corporation LKFN LISTED

EX-99.1 2 tm2025775d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 A Proven History of Shareholder Value Creation And Commitment to Our Communities 2 nd Quarter 2020 Lakeland Financial Corporation LKFN LISTED David M. Findlay President & Chief Executive Officer [email protected] (574) 267 - 9197 Lisa M. O’Neill Executive Vice President & Chief Financial Officer [email protected] (57

July 27, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 27, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 27, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 14, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 14, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 26, 2020 11-K

- FORM 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A. Full title of the plan and the address of the pla

June 26, 2020 EX-99.1

Financial Statements

Exhibit 99.1 LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2019 and 2018 LAKELAND FINANCIAL CORPORATION 401(K) PLAN Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2019 and 2018 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 1 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 3 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BE

May 5, 2020 EX-99.1

A Proven History of Shareholder Value Creation And Commitment to Our Communities 1 st Quarter 2020 Lakeland Financial Corporation LKFN LISTED

Exhibit 99.1 A Proven History of Shareholder Value Creation And Commitment to Our Communities 1 st Quarter 2020 Lakeland Financial Corporation LKFN LISTED David M. Findlay President & Chief Executive Officer [email protected] (574) 267 - 9197 Lisa M. O’Neill Executive Vice President & Chief Financial Officer [email protected] (574) 267 - 9125 2 This presentation contains, a

May 5, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 5, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 30, 2020 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKE

April 27, 2020 EX-99.1

LAKELAND FINANCIAL CORPORATION FIRST QUARTER 2020 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports First Quarter 2020 Performance and Management of COVID-19 Warsaw, Indiana (April 27, 2020) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake

April 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 16, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 14, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 14, 2020 EX-99.1

NEWS FROM LAKELAND FINANCIAL CORPORATION

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 office [email protected] Lake City Bank Parent Announces Quarterly Dividend Warsaw, Indiana (April 14, 2020) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, announced that t

April 14, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 14, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 25, 2020 EX-99.1

Lakeland Financial Corporation to Hold Previously Announced April 14, 2020 Annual Meeting of Shareholders by Virtual Means Due to Coronavirus Concerns

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Corporation to Hold Previously Announced April 14, 2020 Annual Meeting of Shareholders by Virtual Means Due to Coronavirus Concerns Warsaw, Indiana (March 25, 2020) – Lakeland Financia

March 25, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 25, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 25, 2020 DEFA14A

LKFN / Lakeland Financial Corp. DEFA14A - - LAKELAND FINANCIAL CORPORATION PROXY NOTICE OF CHANGE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [X] Filed by a Party other than the Registrant [ ]□ Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, f

March 11, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 10, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 5, 2020 DEFA14A

LKFN / Lakeland Financial Corp. DEFA14A - - LAKELAND FINANCIAL CORPORATION 2020 PROXY NOTICE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 5, 2020 DEFA14A

LKFN / Lakeland Financial Corp. DEFA14A - - LAKELAND FINANCIAL CORPORATION 2020 PROXY NOTICE

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March 5, 2020 DEF 14A

LKFN / Lakeland Financial Corp. DEF 14A - - LAKELAND FINANCIAL CORPORATION 2020 PROXY

begin 644 lfc2020proxy.pdf M)5!$1BTQ+C4-)>+CS],-"C(T," P(&]B:@T\/"],:6YE87)I>F5D(#$O3" T M,#,S,3(O3R R-#(O12 Q,38V.#8O3B U,B]4(#0P,C8V-R]((%L@-3(U(#%LR-# @ M-#!=+TEN9F\@,C,Y(# @4B],96YG=&@@,3$U+U!R978@-# R-C8X+U)O;W0@ M,C0Q(# @4B]3:7IE(#(X,"]4>7!E+UA2968O5ULQ(#,@,5T^/G-T0DB&4/!Y'ZPB!V8708F%4$D4QJ(9$X'RP:#17Z"V:Q@ M<34P:0 F+<&R&B"2NQ5$,H!U39T'9H>#2/ZG8'8FD&0\ #:?&6R[O R0.Y MAX$)Z+9ZL!H&1BJ0QF8I+X !

March 5, 2020 DEF 14A

LKFN / Lakeland Financial Corp. DEF 14A - - LAKELAND FINANCIAL CORPORATION 2020 PROXY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

February 24, 2020 PRE 14A

LKFN / Lakeland Financial Corp. PRE 14A - - LAKELAND FINANCIAL CORPORATION 2020 PROXY

begin 644 lfc2020proxy.pdf M)5!$1BTQ+C4-)>+CS],-"C(T," P(&]B:@T\/"],:6YE87)I>F5D(#$O3" T M,#,S,3(O3R R-#(O12 Q,38V.#8O3B U,B]4(#0P,C8V-R]((%L@-3(U(#%LR-# @ M-#!=+TEN9F\@,C,Y(# @4B],96YG=&@@,3$U+U!R978@-# R-C8X+U)O;W0@ M,C0Q(# @4B]3:7IE(#(X,"]4>7!E+UA2968O5ULQ(#,@,5T^/G-T0DB&4/!Y'ZPB!V8708F%4$D4QJ(9$X'RP:#17Z"V:Q@ M<34P:0 F+<&R&B"2NQ5$,H!U39T'9H>#2/ZG8'8FD&0\ #:?&6R[O R0.Y MAX$)Z+9ZL!H&1BJ0QF8I+X !

February 24, 2020 PRE 14A

LKFN / Lakeland Financial Corp. PRE 14A - - LAKELAND FINANCIAL CORPORATION 2020 PROXY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

February 24, 2020 10-K

Annual Report - FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2019 Commission file number 0-11487 LAKELAND FINANCIAL CORPORATION Indiana 35-1559596 (State of incorporation) (I.R.S. Employer Identification No.) 202 East Center Street, P.O.

February 24, 2020 EX-21.0

Subsidiaries

Exhibit 21.0 Subsidiaries 1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana. 2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank’s investment portfolio. 3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a real est

February 24, 2020 EX-4.4

Description of Securities

EX-4.4 2 ex-4d4.htm EX-4.4 Exhibit 4.4 DESCRIPTION OF THE COMPANY’S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 The common stock of Lakeland Financial Corporation (the “Company,” which is also referred to herein as “we,” “our” or “us”) is registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended. The following description of the ma

February 3, 2020 SC 13G/A

LKFN / Lakeland Financial Corp. / FRANKLIN MUTUAL ADVISERS LLC Passive Investment

lake19a2.htm - Generated by SEC Publisher for SEC Filing CUSIP NO. 511656100 13G Page 1 of 7 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* LAKELAND FINANCIAL CORPORATION (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 511656100 (CUSIP Number) December 31, 2019 (Date of Eve

January 27, 2020 EX-99.1

LAKELAND FINANCIAL CORPORATION FOURTH QUARTER 2019 FINANCIAL HIGHLIGHTS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Performance Quarterly and Annual Net Income and Earnings per Share Set New Highs Warsaw, Indiana (January 27, 2020) – Lakeland Financial Corporation (Nasdaq Global Selec

January 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 27, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 14, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 14, 2020 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 19, 2019 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 14, 2019 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 8, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 4, 2019 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 8, 2019 EX-10.1

Transitional Retirement Agreement, dated as of November 4, 2019, by and among Lakeland Financial Corporation, Lake City Bank and Kevin Deardorff.

Exhibit 10.1 Transitional Retirement Agreement This Transitional Retirement Agreement is made and entered into effective November 1, 2019, by and among Lakeland Financial Corporation, an Indiana corporation (the “Company”), Lake City Bank, an Indiana chartered bank with its main office located in Warsaw, Indiana (the “Bank”), and Kevin Deardorff (the “Executive,” and together with the Company and

November 1, 2019 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487

October 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2019 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 25, 2019 EX-99.1

LAKELAND FINANCIAL CORPORATION AVERAGE BALANCE SHEET AND NET INTEREST ANALYSIS

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Quarterly Performance Year to Date Net Income Increases by 10% over 2018 Warsaw, Indiana (October 25, 2019) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent

October 8, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 8, 2019 LAKELAND FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 9, 2019 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-11487 LAKEL

July 25, 2019 EX-99.1

Lakeland Financial Reports Record Quarterly Performance Net Income Increases 8%

EX-99.1 2 ex991.htm PRESS RELEASE Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Quarterly Performance Net Income Increases 8% Warsaw, Indiana (July 25, 2019) – Lakeland Financial Corporation (Nasdaq Global Select/LK

July 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 25, 2019 Lakeland Financial Corporation (Exact name of registrant as specified in its charter) Indiana 000-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 9, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 9, 2019 Lakeland Financial Corporation (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction (Commission File Number) (IRS

June 20, 2019 EX-99.1

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2018 and 2017 Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2018 and 2017

LAKELAND FINANCIAL CORPORATION 401(K) PLAN FINANCIAL STATEMENTS December 31, 2018 and 2017 Warsaw, Indiana FINANCIAL STATEMENTS December 31, 2018 and 2017 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 1 FINANCIAL STATEMENTS STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS 3 STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS 4 NOTES TO FINANCIAL STATEMENTS 5 SUPPLEMENTAL SC

June 20, 2019 11-K

LKFN / Lakeland Financial Corp. 11-K - - FORM 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-48402 A. Full title of the plan and the address of the

May 3, 2019 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10‑Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to LAKELAND FINANCIAL CORPORATION (Exact name of regis

April 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 25, 2019 Lakeland Financial Corporation (Exact name of registrant as specified in its charter) Indiana 000-11487 35-1559596 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 25, 2019 EX-99.1

LAKELAND FINANCIAL CORPORATION

NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 [email protected] Lakeland Financial Reports Record Quarterly Performance Net Income Increases 18% and Dividend Increases 16% Warsaw, Indiana (April 25, 2019) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent compan

April 10, 2019 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 9, 2019 Lakeland Financial Corporation (Exact name of Registrant as specified in its charter) Indiana 0-11487 35-1559596 (State or other jurisdiction (Commission File Number) (IR

April 9, 2019 EX-99.1

NEWS FROM LAKELAND FINANCIAL CORPORATION

Exhibit 99.1 NEWS FROM LAKELAND FINANCIAL CORPORATION FOR IMMEDIATE RELEASE Contact Lisa M. O’Neill Executive Vice President and Chief Financial Officer (574) 267-9125 office [email protected] Lake City Bank Parent Announces 16% Increase in Quarterly Dividend Warsaw, Indiana (April 9, 2019) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, a

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