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 LAKELAND FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) (St ...

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 lisa.oneill@lakecitybank.com 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), parent company of Lake City Bank, today reported net income of $23.4 million for the three months ended March 31, ...

Table of Contents ☒ 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 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Indiana 35-1559596 FORM 10-K (State of incorporation) (I.R.S. Employer Identification No.) 202 East Center Street, P.O. Box 1387, Warsa ...

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 LAKELAND FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) ...

PART I. FINANCIAL INFORMATION [Item 1. Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) Presents unaudited consolidated financial statements for Q2 and YTD 2023, including balance sheets, income, comprehensive income, equity, and cash flows [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets increased to **$6.51 billion** by June 30, 2023, driven by loan growth and funded by increased borrowings, with a slight deposit decrease | Balance Sheet Items (in thousands) | June 30, 2023 | December 31, 2022 | Change ($ thousands) | Change (%) | | :--- | :--- | :--- | :--- | :--- | | **Total Assets** | **$6,509,546** | **$6,432,371** | **$77,175** | **1.2%** | | Loans, net | $4,790,202 | $4,637,790 | $152,412 | 3.3% | | Securities available-for-sale | $1,062,069 | $1,185,528 | ($123,459) | -10.4% | | **Total Liabilities** | **$5,917,551** | **$5,863,484** | **$54,067** | **0.9%** | | Total deposits | $5,423,059 | $5,460,620 | ($37,561) | -0.7% | | Total borrowings | $400,000 | $297,000 | $103,000 | 34.7% | | **Total Equity** | **$591,995** | **$568,887** | **$23,108** | **4.1%** | - A notable shift occurred in the deposit mix, with noninterest-bearing deposits decreasing by **$298.7 million (17.2%)** while interest-bearing deposits increased by **$261.2 million (7.0%)** since year-end 2022[7](index=7&type=chunk) [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Q2 2023 net income sharply declined to **$14.6 million** due to an **$18.1 million** wire fraud loss, impacting YTD results | Income Statement (in thousands) | Q2 2023 | Q2 2022 | YTD 2023 | YTD 2022 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $48,524 | $48,678 | $100,043 | $93,558 | | Provision for credit losses | $800 | $0 | $5,150 | $417 | | Total noninterest income | $11,501 | $10,492 | $21,815 | $21,179 | | Total noninterest expense | $42,734 | $27,913 | $72,168 | $54,882 | | **Net Income** | **$14,611** | **$25,673** | **$38,889** | **$49,315** | | **Diluted EPS** | **$0.57** | **$1.00** | **$1.51** | **$1.92** | - A significant wire fraud loss of **$18.1 million** was recorded in Q2 2023, which was the primary driver for the **53.1%** YoY increase in quarterly noninterest expense and the sharp decline in net income[8](index=8&type=chunk)[117](index=117&type=chunk) [Notes to the Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20the%20Consolidated%20Financial%20Statements) Provides detailed disclosures on accounting policies, financial instruments, credit quality, and a significant loss contingency - The company adopted ASU 2022-02, eliminating Troubled Debt Restructuring (TDR) accounting and enhancing disclosure for loan modifications to borrowers in financial difficulty, effective January 1, 2022, for TDR reporting and January 1, 2023, for vintage disclosures[18](index=18&type=chunk) - The company is involved in a legal proceeding filed by a liquidating trustee for a former client who allegedly engaged in a check kiting scheme, with the company intending to vigorously defend itself and determining a material loss is neither probable nor estimable at this time[110](index=110&type=chunk)[111](index=111&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=42&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Discusses a **21.1%** YTD net income decrease to **$38.9 million** due to a wire fraud loss, alongside improved core profitability and balance sheet growth [Overview](index=42&type=section&id=Overview) YTD net income decreased **21.1%** to **$38.9 million** due to an **$18.1 million** wire fraud loss, while core profitability improved and tangible capital rose - On June 30, 2023, the company discovered an international wire fraud resulting in an estimated loss of **$18.1 million**, net of **$4.1 million** in estimated insurance coverage, which reduced diluted EPS by **$0.53** for both the three and six-month periods[117](index=117&type=chunk) - Core operational profitability, a non-GAAP measure excluding the fraud loss, was **$26.8 million** for Q2 2023, an increase of **4%** year-over-year and **10%** from the linked quarter, demonstrating underlying business strength[118](index=118&type=chunk) - The tangible common equity to tangible assets ratio was **9.04%** at June 30, 2023, up from **8.79%** at December 31, 2022, with the adjusted ratio at **11.37%** excluding unrealized securities losses[121](index=121&type=chunk)[123](index=123&type=chunk) [Results of Operations](index=44&type=section&id=Results%20of%20Operations) YTD net interest income grew **6.9%** to **$100.0 million** with margin expansion, but was offset by increased credit loss provision and noninterest expense from fraud | Performance Metrics | YTD 2023 | YTD 2022 | | :--- | :--- | :--- | | Net Interest Income (in thousands) | $100,043 | $93,558 | | Net Interest Margin | 3.41% | 3.09% | | Provision for Credit Losses (in thousands) | $5,150 | $417 | | Noninterest Income (in thousands) | $21,815 | $21,179 | | Noninterest Expense (in thousands) | $72,168 | $54,882 | | Pretax Pre-Provision Earnings (Non-GAAP, in thousands) | $49,690 | $59,855 | - The tax-equivalent net interest margin expanded to **3.41%** for the first half of 2023 from **3.09%** in 2022, as the yield on earning assets increased by **217 basis points**, outpacing the **185 basis point** increase in funding costs[144](index=144&type=chunk) - Excluding the wire fraud loss and related compensation adjustments, adjusted core noninterest expense (a non-GAAP measure) declined by **$1.1 million**, or **2.0%**, compared to the first six months of 2022[156](index=156&type=chunk) [Financial Condition](index=53&type=section&id=Financial%20Condition) Total assets grew to **$6.51 billion** driven by loan growth, with shifts in funding, stable credit quality, and maintained 'well-capitalized' status - Total loans grew by **$152.4 million (3.2%)** in the first half of 2023, led by the commercial real estate and multi-family residential segment, which increased by **$197.3 million**[167](index=167&type=chunk) - The investment portfolio's effective duration was **6.6 years** at June 30, 2023, containing net unrealized losses of **$202.0 million**, an improvement from **$215.3 million** at year-end 2022[162](index=162&type=chunk)[163](index=163&type=chunk) - Uninsured deposits (not covered by FDIC or Indiana PDIF) were **28%** of total deposits as of June 30, 2023, down from **30%** at year-end 2022[184](index=184&type=chunk) - The company maintained a 'well-capitalized' status, with a Common Equity Tier 1 (CET1) ratio of **13.68%** and a Total Capital ratio of **14.94%** at the consolidated level as of June 30, 2023[187](index=187&type=chunk)[189](index=189&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=61&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company's primary market risk is interest rate risk, with net interest income moderately asset-sensitive to rate changes | Interest Rate Scenario (Parallel Shift) | Change in Net Interest Income ($ thousands) | Change in Net Interest Income (%) | | :--- | :--- | :--- | | +300 bps | $12,112 | 5.89% | | +200 bps | $8,009 | 3.89% | | +100 bps | $3,988 | 1.94% | | **Base** | **$205,656** | **N/A** | | -100 bps | ($5,564) | -2.71% | | -200 bps | ($12,120) | -5.89% | | -300 bps | ($19,557) | -9.51% | [Item 4. Controls and Procedures](index=62&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded disclosure controls and procedures were effective as of June 30, 2023, with no material changes to internal controls - The Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures were effective as of the end of the period covered by this report (June 30, 2023)[199](index=199&type=chunk) PART II. OTHER INFORMATION [Item 1. Legal Proceedings](index=63&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal proceedings, with management not expecting a material impact on financial position - The company is subject to various pending and threatened legal proceedings in the normal course of business, with management not believing the outcome will be material to the company's consolidated financial position[203](index=203&type=chunk) [Item 1A. Risk Factors](index=63&type=section&id=Item%201A.%20Risk%20Factors) No material changes were reported to the risk factors previously disclosed in the company's Form 10-K for December 31, 2022 - No material changes were reported to the risk factors disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2022[204](index=204&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=63&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The board reauthorized a **$30 million** share repurchase program, with no shares repurchased under it in Q2 2023 - The company's board reauthorized a share repurchase program of up to **$30 million**, effective through April 30, 2025, with no shares repurchased under this program in Q2 2023[205](index=205&type=chunk)[206](index=206&type=chunk)

PART I. FINANCIAL INFORMATION This section presents the unaudited consolidated financial statements, management's analysis of financial condition and operations, market risk disclosures, and internal controls assessment [Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) The unaudited consolidated financial statements for Q1 2023 show a slight decrease in total assets, a modest increase in net income, and the adoption of new accounting standards with no material impact - The financial statements are unaudited and prepared for interim reporting, and should be read in conjunction with the 2022 Annual Report on Form 10-K[19](index=19&type=chunk) - The company adopted ASU 2022-02, eliminating the accounting guidance for Troubled Debt Restructurings (TDRs) and enhancing disclosure for loan modifications to borrowers in financial difficulty, effective January 1, 2022, for TDR reporting and January 1, 2023, for vintage disclosures. The adoption did not have a material impact[20](index=20&type=chunk) [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) As of March 31, 2023, total assets slightly decreased to **$6.41 billion**, while total equity increased to **$602.0 million**, driven by improved accumulated other comprehensive income Consolidated Balance Sheet Highlights (in thousands) | Account | March 31, 2023 | December 31, 2022 | | :--- | :--- | :--- | | Total cash and cash equivalents | $153,521 | $130,282 | | Securities available-for-sale, at fair value | $1,108,281 | $1,185,528 | | Loans, net | $4,683,713 | $4,637,790 | | **Total assets** | **$6,411,529** | **$6,432,371** | | Total deposits | $5,517,728 | $5,460,620 | | Total borrowings | $200,000 | $297,000 | | **Total liabilities** | **$5,809,523** | **$5,863,484** | | **Total equity** | **$602,006** | **$568,887** | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Q1 2023 net income rose **2.7%** to **$24.3 million**, driven by a **14.8%** increase in net interest income, despite higher credit loss provisions and noninterest expenses Income Statement Summary (in thousands, except per share data) | Metric | Q1 2023 | Q1 2022 | | :--- | :--- | :--- | | Net Interest Income | $51,519 | $44,880 | | Provision for credit losses | $4,350 | $417 | | Net Interest Income After Provision | $47,169 | $44,463 | | Total noninterest income | $10,314 | $10,687 | | Total noninterest expense | $29,434 | $26,969 | | **Net income** | **$24,278** | **$23,642** | | **Diluted EPS** | **$0.94** | **$0.92** | [Consolidated Statements of Comprehensive Income (Loss)](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income%20(Loss)) Comprehensive income for Q1 2023 was **$45.8 million**, a significant turnaround from a **$86.1 million** loss in Q1 2022, driven by net income and reduced unrealized securities losses Comprehensive Income (Loss) Summary (in thousands) | Component | Q1 2023 | Q1 2022 | | :--- | :--- | :--- | | Net income | $24,278 | $23,642 | | Other comprehensive income (loss), net of tax | $21,553 | $(109,780) | | **Comprehensive income (loss)** | **$45,831** | **$(86,138)** | [Consolidated Statements of Changes in Stockholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Total stockholders' equity increased to **$602.0 million** by March 31, 2023, primarily due to net income and positive other comprehensive income, partially offset by dividends - Key drivers of the change in stockholders' equity in Q1 2023 were net income (**+$24.3M**), other comprehensive income (**+$21.6M**), and cash dividends (**-$11.7M**)[15](index=15&type=chunk) - Cash dividends declared and paid were **$0.46 per share** in Q1 2023, compared to **$0.40 per share** in Q1 2022[15](index=15&type=chunk) [Consolidated Statements of Cash Flows](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Q1 2023 saw a net increase of **$23.2 million** in cash and cash equivalents, driven by positive cash from investing and operating activities, partially offset by financing outflows Cash Flow Summary (in thousands) | Activity | Q1 2023 | Q1 2022 | | :--- | :--- | :--- | | Net cash from operating activities | $27,443 | $47,704 | | Net cash from investing activities | $50,360 | $(329,219) | | Net cash from financing activities | $(54,564) | $73,299 | | **Net change in cash and cash equivalents** | **$23,239** | **$(208,216)** | [Notes to the Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20the%20Consolidated%20Financial%20Statements) The notes provide detailed information on the securities and loan portfolios, credit quality, borrowings, fair value measurements, and a significant legal contingency - The company consists of Lakeland Financial Corporation, its wholly-owned subsidiary Lake City Bank, and LCB Risk Management, a captive insurance company. All significant inter-company balances are eliminated[18](index=18&type=chunk) - The company is transitioning from LIBOR to an alternative reference rate for its remaining LIBOR-based loans, with a target completion before June 30, 2023[23](index=23&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=40&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management reported a **2.7% increase** in Q1 2023 net income to **$24.3 million**, driven by higher net interest income and margin expansion, despite increased credit loss provisions and noninterest expenses - Net income for Q1 2023 was **$24.3 million**, an increase of **2.7%** from Q1 2022, with diluted EPS up **2.2%** to **$0.94**[112](index=112&type=chunk) - Pretax pre-provision earnings (a non-GAAP measure) increased **13.3%** to **$32.4 million** in Q1 2023, up from **$28.6 million** in Q1 2022[112](index=112&type=chunk) - The tangible common equity to tangible assets ratio was **9.34%** at March 31, 2023, up from **8.79%** at December 31, 2022. Excluding the impact of securities market value adjustments, the adjusted ratio was **11.56%**[114](index=114&type=chunk) [Results of Operations](index=41&type=section&id=Results%20of%20Operations) Q1 2023 operating results show strong net interest income growth and margin expansion, offset by a sharp increase in credit loss provisions and higher noninterest expenses Key Performance Metrics | Metric | Q1 2023 | Q1 2022 | | :--- | :--- | :--- | | Net interest margin | 3.54 % | 2.93 % | | Efficiency ratio | 47.60 % | 48.53 % | | Net charge offs to average loans | 0.49 % | 0.06 % | | Pretax pre-provision earnings (non-GAAP) | $32,399 | $28,598 | [Financial Condition](index=47&type=section&id=Financial%20Condition) Total assets slightly decreased to **$6.41 billion**, while the loan portfolio grew, nonperforming assets remained low, and total equity increased, maintaining a well-capitalized status - Total assets decreased by **$20.8 million** during Q1 2023, driven by decreases in available-for-sale securities, noninterest bearing deposits, and borrowings, which were offset by increases in loans and interest bearing deposits[138](index=138&type=chunk) - Nonperforming assets increased slightly to **$17.9 million**, representing **0.28%** of total assets at March 31, 2023, compared to **0.27%** at year-end 2022[147](index=147&type=chunk) - Uninsured deposits were **29%** of total deposits as of March 31, 2023, down from **30%** at December 31, 2022[161](index=161&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=55&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company's primary market risk is interest rate risk, with simulation analysis showing asset sensitivity where a **100 basis point** rate increase boosts net interest income by **2.82%** - The company's primary market risk exposure is interest rate risk, managed by the Asset and Liability Committee under a policy approved by the Board's Corporate Risk Committee[171](index=171&type=chunk) Net Interest Income Sensitivity Analysis (as of March 31, 2023) | Rate Shock Scenario | Change in Net Interest Income (%) | | :--- | :--- | | +300 bps | +8.47% | | +200 bps | +5.62% | | +100 bps | +2.82% | | -100 bps | -3.74% | | -200 bps | -8.09% | | -300 bps | -13.12% | [Controls and Procedures](index=56&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective as of March 31, 2023, with no material changes to internal control over financial reporting during the quarter - The CEO and CFO concluded that the Company's disclosure controls and procedures were effective as of March 31, 2023[176](index=176&type=chunk) - No material changes were made to the Company's internal control over financial reporting during the first quarter of 2023[177](index=177&type=chunk) PART II. OTHER INFORMATION This section details legal proceedings, updates on risk factors, equity transactions, and other required disclosures [Legal Proceedings](index=57&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal proceedings, including a lawsuit from a bankruptcy trustee, which management believes will not materially impact its financial position - The company is defending against a lawsuit from a bankruptcy trustee for a former client, which also names four officers and one director. A motion to dismiss was heard on April 17, 2023[109](index=109&type=chunk)[110](index=110&type=chunk) - Management does not believe the outcome of pending legal matters will be material to the company's consolidated financial position, but cannot rule out a material impact on results for a particular future period[180](index=180&type=chunk) [Risk Factors](index=57&type=section&id=Item%201A.%20Risk%20Factors) No material changes to the company's risk factors have been reported since the Form 10-K for the year ended December 31, 2022 - No material changes to risk factors were reported since the Form 10-K for the year ended December 31, 2022[181](index=181&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=57&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The board reauthorized a **$30 million** share repurchase program through April 2025, though no public repurchases occurred in Q1 2023 - The board reauthorized a share repurchase program for up to **$30 million**, effective through April 30, 2025[183](index=183&type=chunk) - No shares were repurchased under the publicly announced plan in Q1 2023. However, **2,800 shares** were purchased for the directors' deferred compensation plan[184](index=184&type=chunk) [Defaults Upon Senior Securities](index=57&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) No defaults upon senior securities were reported - There were no defaults upon senior securities[185](index=185&type=chunk) [Mine Safety Disclosures](index=57&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This item is not applicable to the company's operations - Not applicable[185](index=185&type=chunk) [Other Information](index=58&type=section&id=Item%205.%20Other%20Information) No other information was reported under this item - No other information was reported under this item[186](index=186&type=chunk) [Exhibits](index=58&type=section&id=Item%206.%20Exhibits) The report includes various exhibits, such as CEO and CFO certifications and the Interactive Data File (XBRL) - Exhibits filed include CEO/CFO certifications and the Interactive Data File[186](index=186&type=chunk)

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 35-1559596 (State of incorporation) (I.R.S. Employer Identification No.) 202 East Center Street, P.O. Box 1387, Warsa ...

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 LAKELAND FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) ...

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 LAKELAND FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Indi ...

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 LAKELAND FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Ind ...