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~~ 26March 5, 2026

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.)


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 78.01. ~~Regulation~~Other ~~FD Disclosure~~Events

~~The~~On ~~executive~~March ~~officers~~5, 2026, the board of directors of Lakeland Financial Corporation ~~intend~~("Company") amended the existing share repurchase program to ~~use~~increase the ~~material~~aggregate ~~filed~~amount ~~herewith~~of the Company’s common stock that the Company is authorized to repurchase, from $30 million to $60 million. Under the amended repurchase program, the Company is authorized to repurchase, from time to time as the Company deems appropriate until the program’s expiration on April 30, 2027, shares of the Company's common stock with an aggregate purchase price of up to $60 million. Repurchases may be made in ~~whole~~the open market, through block trades or otherwise, and in ~~part~~privately negotiated transactions. As of March 5, in2026, ~~one~~the oramended ~~more~~repurchase ~~meetings~~program ~~with~~has ~~investors~~remaining ~~and~~aggregate ~~analysts~~purchase price authority of approximately $34 million. AThe ~~copy~~amended repurchase program does not obligate the Company to repurchase any dollar amount or number of shares, and the ~~investor~~program ~~presentation~~may isbe ~~attached~~extended, ~~hereto~~modified, assuspended ~~Exhibit~~or 99discontinued at any time.1.

Lakeland Financial Corporation does not intend for this Item 7.01 or Exhibit 99.1 to be treated as “filed” for purposes of the Securities Exchange Act of 1934, as amended, or incorporated into its filings under the Securities Act of 1933, as amended.

Item 9.01. Financial Statements and Exhibits

The following exhibit shall not be deemed as "filed" for purposes of the Securities Exchange Act of 1934, as amended.

(d) Exhibits

~~99.1 2025~~104 Cover 4QPage ~~Investor~~Interactive ~~Presentation~~Data File (embedded within the Inline XBRL document)

104 Cover Page Interactive Data File (embedded with 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: January 26, 2026	By:	/s/ Lisa M. O’Neill
Dated: March 6, 2026	By:	/s/ Lisa M. O'Neill
		Lisa M. O’Neill
		Executive Vice President
		and Chief Financial Officer

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