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~~April 514, 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 87.01. ~~Other~~Regulation ~~Events~~FD Disclosure

On ~~March 5~~April 14, 2026, ~~the board of directors of~~ Lakeland Financial Corporation's ~~("Company")~~Board ~~amended~~of ~~the~~Directors ~~existing~~declared ~~share~~a ~~repurchase~~quarterly ~~program~~cash todividend ~~increase the aggregate amount~~ of ~~the Company’s common stock that the Company is authorized to repurchase, from~~ $~~30 million to $60 million~~0.52 ~~Under~~per ~~the~~share ~~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~~its ~~30, 2027, shares of the Company's~~ common stock ~~with an aggregate purchase price of up to $60 million~~. The ~~Repurchases~~dividend ~~may~~will be ~~made~~paid inon ~~the open market, through block trades or otherwise, and in privately negotiated transactions. As of March~~ May 5, 2026, ~~the~~to ~~amended repurchase program has remaining aggregate purchase price authority of approximately $34 million. The amended repurchase program does not obligate~~ the ~~Company~~shareholders ~~to repurchase any dollar amount or number~~ of ~~shares,~~record ~~and~~on ~~the program may be extended~~April 25, ~~modified, suspended or discontinued at any time~~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: March 6, 2026	By:	/s/ Lisa M. O'Neill
Dated: April 14, 2026	By:	/s/ Lisa M. O'Neill
		Lisa M. O’Neill
		Executive Vice President
		and Chief Financial Officer

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