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Jun 30, 2025
Lakeland Financial Q2 2025 Earnings Report
Lakeland Financial reported record Q2 2025 results with strong earnings and improved asset quality.
Key Takeaways
Lakeland Financial posted net income of $27.0M for Q2 2025, driven by higher net interest income and improved net interest margin. Asset quality strengthened with a significant reduction in nonperforming assets.
Net income rose 20% YoY to $27.0M.
EPS reached $1.04, up from $0.87 a year ago.
Net interest margin expanded to 3.42%.
Nonperforming assets dropped 46% YoY to $31.1M.
Revenue by Geographic Location
Forward Guidance
Lakeland Financial expects continued strong loan and deposit growth, supported by its robust capital position, while monitoring credit quality.
Positive Outlook
- Strong capital levels exceeding regulatory requirements.
- Healthy loan and deposit growth in Indiana markets.
- Improving asset quality with declining nonperforming assets.
- Core deposits continue to drive funding stability.
- Net interest margin expected to benefit from deposit repricing.
Challenges Ahead
- Higher net charge-offs due to one large nonperforming credit.
- Allowance for credit losses coverage ratio decreased.
- Potential pressure from U.S. trade policy and tariffs.
- Dependence on stable economic conditions in Indiana markets.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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