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Dec 31, 2025
Lakeland Financial Q4 2025 Earnings Report
Lakeland Financial reported record Q4 2025 results with strong growth in net income and margin expansion.
Key Takeaways
Lakeland Financial delivered record quarterly performance in Q4 2025, driven by higher net interest income and disciplined expense control. Net income rose 24% YoY, with EPS climbing to $1.16. Asset quality improved significantly, and capital ratios remained strong.
Q4 net income rose 24% YoY to $29.9 million, setting a new quarterly record.
EPS for Q4 increased to $1.16 from $0.94 in Q4 2024.
Revenue reached $69.8 million, driven by 11% growth in net interest income.
Nonperforming assets dropped 63% YoY to $20.9 million, reflecting stronger credit quality.
Revenue by Geographic Location
Forward Guidance
Lakeland Financial anticipates stable net interest margin and continued loan growth in 2026, supported by a strong capital position and expanding deposit base.
Positive Outlook
- Neutral interest rate position expected to support NIM stability
- Strong balance sheet allows for continued loan growth
- Continued expansion in digital banking adoption
- Growth strategies focused on Indianapolis and other Indiana markets
- Positive commercial line utilization trends
Challenges Ahead
- Potential headwinds from monetary policy shifts
- Higher cost deposit inflows may pressure margins
- Moderate loan beta may limit yield gains in further easing cycles
- Commercial watch list loan downgrades noted in Q4
Historical Earnings Impact
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Avg. Return Before/After Earnings
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