lkfn-20260714 0000721994 FALSE 0000721994 2026-07-14 2026-07-14 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, 2026 LAKELAND FINANCIAL CORP ORATION (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.) 202 East Center Street, Warsaw , Indiana 46580 (Address of principal executive offices) (Zip Code) Registrant’s telephone number, including area code: ( 574 ) 267-6144 (Former name or former address if changed since last report.) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, no par value LKFN The Nasdaq Stock Market, LLC Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨ Item 7.01. Regulation FD Disclosure On July 14, 2026, Lakeland Financial Corporation's Board of Directors declared a quarterly cash dividend of $0.52 per share on its common stock.  The dividend will be paid on August 5, 2026 to the shareholders of record on July 25, 2026. Item 9.01. Financial Statements and Exhibits (d)    Exhibits 104    Cover Page Interactive Data File (embedded within the Inline XBRL document) SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. LAKELAND FINANCIAL CORPORATION Dated: July 14, 2026 By: /s/ Lisa M. O'Neill Lisa M. O’Neill Executive Vice President and Chief Financial Officer

Lakeland Financial Corporation's Board declared a quarterly cash dividend of $0.52 per share, payable August 5, 2026, to shareholders of record as of July 25, 2026. This demonstrates the company's commitment to shareholder returns and reflects strong financial stability.

On July 14, 2026, Lakeland Financial Corporation's Board of Directors declared a quarterly cash dividend of $0.52 per share on its common stock. The dividend is set to be paid on August 5, 2026, to the shareholders of record on July 25, 2026. This action demonstrates the company's continuing commitment to returning value to its shareholders and reflects its strong financial performance and stability.

Lakeland Financial Corporation

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