0000721994-26-000056 | 11-K | XBRL Viewer

SUBSEQUENT EVENTS	12 Months Ended
Dec. 31, 2025
EBP 004
EBP, Subsequent Event [Line Items]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS Effective January 1, 2026, the Plan was amended to require participants to be actively employed on the last day of the Plan year in order to be eligible for the year-end discretionary matching contribution. Participants who retire or become disabled or deceased during the Plan year remain eligible for the discretionary matching contribution. Prior to the amendment, terminated participants were eligible for the discretionary matching contribution regardless of employment status during the Plan year. Effective January 1, 2026, the Plan was also amended to permit qualified student loan repayments to be treated as eligible contributions for determining employer matching contributions. For participants enrolled in the program, matching contributions may be used on elective deferrals, qualified student loan repayments, or a combination thereof, up to the first 6% of the participant's compensation. Plan management has evaluated subsequent events for recognition and disclosure. Aside from the amendments above, no other events were identified through June 16, 2026, the date the financial statements were issued.

TAX STATUS	12 Months Ended
Dec. 31, 2025
EBP 004
EBP, Tax Status [Line Items]
TAX STATUS	TAX STATUS The Plan was established using a prototype plan document sponsored by Fidelity Management & Research Company. The Internal Revenue Service issued an opinion letter dated June 30, 2020, indicating that the prototype adopted by the Plan, as then designed, was in accordance with applicable sections of the Internal Revenue Code (“IRC”). Plan management believes that the Plan is currently designed and being operated in compliance with the applicable requirements of the IRC. Accounting principles generally accepted in the United States of America require plan management to evaluate tax positions taken by the Plan. The plan administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2025 and 2024, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The plan administrator believes it is no longer subject to income tax examinations for years prior to 2022.

DESCRIPTION OF PLAN (Details)	12 Months Ended
DESCRIPTION OF PLAN (Details)	Dec. 31, 2025 USD ($) year	Dec. 31, 2024 USD ($)
EBP, Description of Plan [Line Items]
Vesting percentage upon death, disability or retirement	100.00%
EBP 004
EBP, Description of Plan [Line Items]
Participant age of eligibility \| year	18
Participant service period	1 month
Pretax, maximum annual compensation to total compensation, percentage	80.00%
Matching percentage	106.00%
Participant compensation matched, percentage	6.00%
Automatic deferral rate	6.00%
Vesting percentage	100.00%
Vesting period	5 years
Forfeited nonvested account	$ 129,766	$ 161,710
Forfeitures allocated to active participants	$ 177,742
Employer Matching Contribution \| EBP 004
EBP, Description of Plan [Line Items]
Matching percentage	50.00%
Participant compensation matched, percentage	3.00%

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

12 Months Ended

Dec. 31, 2025

EBP 004

EBP, Schedule of Asset Held for Investment [Line Items]

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

LAKELAND FINANCIAL CORPORATION 401(K) PLAN

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

December 31, 2025


Employer Identification Number:			Lakeland Financial Corporation
			35-1559596
Three Digit Plan Number:			004

(a)

(b)

Identity of Issue, Borrower,

Lessor, or Similar Party

(c)

Description of Investment

Including Maturity Date,

Rate of Interest, Collateral,

Par or Maturity Value

(d)

Cost

(e)

Current

Value

Mutual Funds

Artisan Partners

Artisan Mid Cap Fund Investor Class

112,736 shares

†

3,689,860

Baird Services

Baird Core Plus Bond Fund Class Institutional 10,177 shares

†

104,310

Baird Services

Baird Short-Term Bond Fund Institutional Class 97,019 shares

†

928,477

Fidelity Investments

Fidelity 500 Index Fund

63,890 shares

†

15,187,847

*
‡

Fidelity Investments

Fidelity Cash Reserves Fund

3,835 shares

†

3,835

Fidelity Investments

Fidelity Contrafund - Class K

516,686 shares

†

12,612,307

Fidelity Investments

Fidelity Diversified International K6 Fund 124,895 shares

†

2,213,140

Fidelity Investments

Fidelity Emerging Markets Index Fund 59,513 shares

†

814,143

Fidelity Investments

Fidelity Freedom 2010 Fund Class K6

2,399 shares

†

35,165

Fidelity Investments

Fidelity Freedom 2015 Fund Class K6

39,487 shares

†

474,639

Fidelity Investments

Fidelity Freedom 2020 Fund Class K6

64,877 shares

†

988,074

Fidelity Investments

Fidelity Freedom 2025 Fund Class K6

238,420 shares

†

3,526,228

Fidelity Investments

Fidelity Freedom 2030 Fund Class K6

320,091 shares

†

6,216,160

Fidelity Investments

Fidelity Freedom 2035 Fund Class K6

311,974 shares

†

5,503,221

Fidelity Investments

Fidelity Freedom 2040 Fund Class K6

494,609 shares

†

6,583,244

Fidelity Investments

Fidelity Freedom 2045 Fund Class K6

276,830 shares

†

4,384,993

Fidelity Investments

Fidelity Freedom 2050 Fund Class K6

388,784 shares

†

6,271,080

Fidelity Investments

Fidelity Freedom 2055 Fund Class K6

202,233 shares

†

3,789,841

LAKELAND FINANCIAL CORPORATION 401(K) PLAN

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

December 31, 2025


Employer Identification Number:			Lakeland Financial Corporation
			35-1559596
Three Digit Plan Number:			004

(a)

(b)

Identity of Issue, Borrower,

Lessor, or Similar Party

(c)

Description of Investment

Including Maturity Date,

Rate of Interest, Collateral,

Par or Maturity Value

(d)

Cost

(e)

Current

Value

Fidelity Investments

Fidelity Freedom 2060 Fund Class K6

160,896 shares

†

2,773,839

Fidelity Investments

Fidelity Freedom 2065 Fund Class K6

134,905 shares

†

2,128,804

Fidelity Investments

Fidelity Freedom 2070 Fund Class K6

13,443 shares

†

165,885

Fidelity Investments

Fidelity Freedom Retirement Fund Class K6 38,387 shares

†

408,987

Fidelity Investments

Fidelity International Index Fund

6,260 shares

†

380,628

Fidelity Investments

Fidelity Mid Cap Index Fund

26,455 shares

†

976,999

Fidelity Investments

Fidelity Government Money Market Fund 3,757,380 shares

†

3,757,380

Fidelity Investments

Fidelity Small Cap Index Fund

23,240 shares

†

718,827

Fidelity Investments

Fidelity U.S. Bond Index Fund

298,571 shares

†

3,152,905

Massachusetts Financial Services

MFS New Discovery Value Fund Class R4 101,364 shares

†

1,707,984

Massachusetts Financial Services

MFS Value Fund Class R3

47,569 shares

†

2,362,274

Pacific Investment Management

PIMCO All Asset Fund Institutional Class 9,621 shares

†

109,867

T. Rowe Price

T. Rowe Price Integrated U.S. Small-Cap Growth Equity Fund Advisor Class 34,860 shares

†

1,520,586

Victory Sycamore

Victory Sycamore Established Value Fund Class Y 48,417 shares

†

2,179,722

95,671,251

Common Stock

Lakeland Financial Corporation

Common Stock

552,388 shares

†

31,519,256

127,190,507

Denotes party-in-interest

†

Investments are participant directed, therefore, historical cost information is not required

‡

Plan-level money market account used for recordkeeping of the purchase and sale of fractional

shares of LFC common stock and is not available to participants as an investment election

PARTIES-IN-INTEREST TRANSACTIONS - Narrative (Details) - EBP 004	12 Months Ended
	Dec. 31, 2025 USD ($) $ / shares shares
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Revenue sharing allowance \| $	$ 73,610
Administrative expenses \| $	$ 1,469
LFC common stock
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Number of shares purchased (in shares) \| shares	38,346
Number of shares sold (in shares) \| shares	50,919
Number of shares distributed due to termination or retirement (in shares) \| shares	19,608
Dividends paid by Lakeland Financial Corporation to the Plan \| $	$ 1,157,215
LFC common stock \| Minimum
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Shares purchased, price per share (in usd per share)	$ 52.49
Shares sold, price per share (in usd per share)	54.04
LFC common stock \| Maximum
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Shares purchased, price per share (in usd per share)	68.69
Shares sold, price per share (in usd per share)	$ 68.87

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR) (Details) - EBP 004	12 Months Ended
	Dec. 31, 2025 USD ($) shares
EBP, Schedule of Asset Held for Investment [Line Items]
Employer Identification Number	35-1559596
Three Digit Plan Number	004
Total Assets	$ 127,190,507
Mutual funds
EBP, Schedule of Asset Held for Investment [Line Items]
Total Investments	$ 95,671,251
Investment, Identifier [Axis]: Common Stock \| Lakeland Financial Corporation \| Common Stock
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	552,388
Total Investments	$ 31,519,256
Investment, Identifier [Axis]: Mutual Funds \| Artisan Partners \| Artisan Mid Cap Fund Investor Class
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	112,736
Total Investments	$ 3,689,860
Investment, Identifier [Axis]: Mutual Funds \| Baird Services \| Baird Core Plus Bond Fund Class Institutional
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	10,177
Total Investments	$ 104,310
Investment, Identifier [Axis]: Mutual Funds \| Baird Services \| Baird Short-Term Bond Fund Institutional Class
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	97,019
Total Investments	$ 928,477
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity 500 Index Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	63,890
Total Investments	$ 15,187,847
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Cash Reserves Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	3,835
Total Investments	$ 3,835
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Contrafund - Class K
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	516,686
Total Investments	$ 12,612,307
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Diversified International K6 Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	124,895
Total Investments	$ 2,213,140
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Emerging Markets Index Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	59,513
Total Investments	$ 814,143
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2010 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	2,399
Total Investments	$ 35,165
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2015 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	39,487
Total Investments	$ 474,639
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2020 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	64,877
Total Investments	$ 988,074
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2025 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	238,420
Total Investments	$ 3,526,228
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2030 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	320,091
Total Investments	$ 6,216,160
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2035 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	311,974
Total Investments	$ 5,503,221
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2040 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	494,609
Total Investments	$ 6,583,244
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2045 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	276,830
Total Investments	$ 4,384,993
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2050 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	388,784
Total Investments	$ 6,271,080
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2055 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	202,233
Total Investments	$ 3,789,841
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2060 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	160,896
Total Investments	$ 2,773,839
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2065 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	134,905
Total Investments	$ 2,128,804
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom 2070 Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	13,443
Total Investments	$ 165,885
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Freedom Retirement Fund Class K6
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	38,387
Total Investments	$ 408,987
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Government Money Market Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	3,757,380
Total Investments	$ 3,757,380
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity International Index Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	6,260
Total Investments	$ 380,628
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Mid Cap Index Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	26,455
Total Investments	$ 976,999
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity Small Cap Index Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	23,240
Total Investments	$ 718,827
Investment, Identifier [Axis]: Mutual Funds \| Fidelity Investments \| Fidelity U.S. Bond Index Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	298,571
Total Investments	$ 3,152,905
Investment, Identifier [Axis]: Mutual Funds \| Massachusetts Financial Services \| MFS New Discovery Value Fund Class R4
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	101,364
Total Investments	$ 1,707,984
Investment, Identifier [Axis]: Mutual Funds \| Massachusetts Financial Services \| MFS Value Fund Class R3
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	47,569
Total Investments	$ 2,362,274
Investment, Identifier [Axis]: Mutual Funds \| Pacific Investment Management \| PIMCO All Asset Fund Institutional Class
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	9,621
Total Investments	$ 109,867
Investment, Identifier [Axis]: Mutual Funds \| T. Rowe Price \| T. Rowe Price Integrated U.S. Small-Cap Growth Equity Fund Advisor Class
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	34,860
Total Investments	$ 1,520,586
Investment, Identifier [Axis]: Mutual Funds \| Victory Sycamore \| Victory Sycamore Established Value Fund Class Y
EBP, Schedule of Asset Held for Investment [Line Items]
Investments, number of shares (in shares) \| shares	48,417
Total Investments	$ 2,179,722

STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS - EBP 004 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Assets
Investments, at fair value	$ 127,190,507	$ 121,252,135
Employer contributions receivable	1,606,502	1,308,015
Net assets available for benefits	$ 128,797,009	$ 122,560,150

- Definition

Fair value of investment, excluding plan interest in master trust, held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)). Includes, but is not limited to, derivative, investment measured at net asset value per share as practical expedient, and insurance contract not meeting fully-benefit responsive investment criteria.

+ References

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+ Details

- Definition

Amount of asset less liability available to pay benefit of participant in employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, aggregation of participants' individual account balances.

+ References

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-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479750/962-40-25-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 962
-SubTopic 205
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6A-04(7))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477804/962-205-S99-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 962
-SubTopic 205
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6A-04(6))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477804/962-205-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 962
-SubTopic 205
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6A-03(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477804/962-205-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 962
-SubTopic 205
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477063/962-205-45-2

+ Details

DESCRIPTION OF PLAN	12 Months Ended
DESCRIPTION OF PLAN	Dec. 31, 2025
EBP 004
EBP, Description of Plan [Line Items]
DESCRIPTION OF PLAN	DESCRIPTION OF PLAN The following description of the Lakeland Financial Corporation 401(k) Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Plan agreement for a more complete description of the Plan’s provisions. General: The Plan is a defined contribution 401(k) profit sharing plan covering substantially all employees of Lakeland Financial Corporation (“LFC”) and its subsidiary, Lake City Bank (collectively, “employer”). An employee becomes eligible to enter the Plan on January 1, April 1, July 1, and October 1 following attainment of age 18 and completion of one month of service. The Plan was originally adopted December 13, 1983 and has been amended and restated. Participants should refer to the amended and restated Plan agreement for a more complete description of the Plan’s provisions. The Plan provides for retirement, death, disability and termination benefits, and it is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). Investment Funds: Investment elections available through the Plan consist of 32 funds, one of which is LFC common stock. Fourteen of the funds are "Fidelity Freedom Fund Class K6" funds that are targeted retirement funds consisting of blends of equities and fixed income securities. The "Artisan Mid Cap Fund Investor Class", "Fidelity 500 Index Fund", "Fidelity Contrafund - Class K", "Fidelity Mid Cap Index Fund", "Fidelity Small Cap Index Fund", "MFS New Discovery Value Fund Class R4", "MFS Value Fund Class R3", "T. Rowe Price Integrated U.S. Small-Cap Growth Equity Fund Advisor Class" and "Victory Sycamore Established Value Fund Class Y" are invested primarily in common and preferred stock. The "Baird Core Plus Bond Fund Class Institutional", "Baird Short-Term Bond Fund Institutional Class" and "Fidelity U.S. Bond Index Fund" are invested primarily in fixed income securities. The "Fidelity Government Money Market Fund" is invested primarily in short-term fixed income investments having maturities of one year or less. The "Fidelity Diversified International K6 Fund", "Fidelity International Index Fund" and "Fidelity Emerging Markets Index Fund" are invested primarily in foreign common stocks. The "PIMCO All Asset Fund Institutional Class" is invested primarily in mutual funds. One additional fund, the "Fidelity Cash Reserves Fund" is a money market account that is used for plan-level record keeping for the purchase and sale of fractional shares of LFC common stock and is not available to participants as an investment election. A participant's salary redirection is invested in any of the funds offered at the participant's discretion. Employer matching contributions are invested in the same funds as the participant's salary redirection, and in the same proportions. Participant Accounts: Each participant’s account is credited with the participant’s contributions and allocations of (a) the employer matching contributions, (b) Plan earnings and (c) forfeitures of the non-vested portion of account balances from terminated participants, and is charged for withdrawals. Allocations are based on participant earnings or account balances, as defined. The benefit to which a participant, or beneficiary, is entitled is the benefit that can be provided from the participant’s vested account. Contributions: The Plan provides that participants may make voluntary pre-tax or Roth contributions to the Plan in amounts up to 80% of eligible compensation or to the maximum amount allowable under the Internal Revenue Code, $23,500 in 2025. For 2025, catch up contributions of up to $7,500 are permitted for those eligible participants over 50 years of age. Eligible participants aged 60 to 63 are permitted a higher catch up contribution limit of $11,250. The Plan also allows for participant rollover contributions. Each year the employer may set a matching percentage of a participant’s compensation, as well as make discretionary contributions. For 2025, the matching percentage was set at 106% of the first 6% of compensation a participant contributes to the Plan as a voluntary contribution. The first 50% of the matching contribution, or the first 3% of participant compensation contributed to the Plan, is made each pay period. The remainder of the match is a discretionary contribution made after the end of the Plan year and is determined partly based on company performance for the year. All contributions are cash contributions. The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan. Automatically enrolled participants have their deferral rate set at 6% of eligible compensation and their contributions invested in a default target date fund based on the participant's age until changed by the participant. Additionally, participants may automatically rollover into the Plan eligible Fidelity retirement accounts held outside of the Plan. Death, Disability or Retirement Benefits: Under the Plan, participants, or their beneficiaries, are entitled to 100% of their account balance upon death, disability, or retirement. Vesting: Participants are 100% vested in salary deferral contributions. Employer contributions vest according to a five-year graded schedule. Forfeitures: Upon termination of employment, participants with less than five years of credited service will forfeit their non-vested balances. Annually, forfeitures of non-vested terminated participants’ accounts are allocated to the accounts of active participants and offset employer contributions. Unallocated forfeitures amounted to $129,766 and $161,710 as of December 31, 2025 and 2024, respectively. In 2025, forfeitures offsetting employer contributions of $177,742 were allocated to active participants. Payments of Benefits: On termination of service, a participant may elect to receive either a lump sum or direct rollover amount equal to the value of his or her vested interest in the account. Terminated participants with vested balances less than $7,000 cannot postpone distribution of benefits. Any distribution greater than $1,000 that is made to a participant without the participant's consent before the normal retirement age will be rolled over into an individual retirement account as designated by the plan administrator for the benefit of the participant. Vested balances of less than $1,000 upon termination of service are distributed as a lump sum payment. The Plan also permits in-service withdrawals for participants upon attainment of age 59 ½ years or for participants with a hardship, subject to certain criteria and a $500 minimum amount. Distributions out of the Plan are made in cash. The Plan includes certain other cash out and required rollover provisions, as permitted by law. Administrative and Investment Management Expenses: Substantially all administrative expenses are paid by the employer. Investment management fees are charged to the Plan as a reduction of investment return and included in the investment income reported by the Plan.

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Fair Value Measurements (Details) - EBP 004 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
EBP, Accounting Policy [Line Items]
Investments, at fair value	$ 127,190,507	$ 121,252,135
Quoted Prices in Active Markets for Identical Assets (Level 1) \| LFC common stock
EBP, Accounting Policy [Line Items]
Investments, at fair value	31,519,256	40,194,948
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Mutual funds
EBP, Accounting Policy [Line Items]
Investments, at fair value	95,671,251	81,057,187
Significant Other Observable Inputs (Level 2) \| LFC common stock
EBP, Accounting Policy [Line Items]
Investments, at fair value	0	0
Significant Other Observable Inputs (Level 2) \| Mutual funds
EBP, Accounting Policy [Line Items]
Investments, at fair value	0	0
Significant Unobservable Inputs (Level 3) \| LFC common stock
EBP, Accounting Policy [Line Items]
Investments, at fair value	0	0
Significant Unobservable Inputs (Level 3) \| Mutual funds
EBP, Accounting Policy [Line Items]
Investments, at fair value	$ 0	$ 0

- Definition

+ References

+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) - EBP 004	12 Months Ended
	Dec. 31, 2025
EBP, Accounting Policy [Line Items]
Basis of Accounting	Basis of Accounting: The accounting practices and principles followed by the Plan and the methods of applying those principles conform to U.S. generally accepted accounting principles. The financial statements of the Plan are prepared under the accrual basis of accounting.
Investment Valuation and Income Recognition, and Net Appreciation in Fair Value of Investments	Investment Valuation and Income Recognition: The Plan’s investments are reported at fair value. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Fair value is the price that would be received by the Plan for an asset or paid by the Plan to transfer a liability (an exit price) in an orderly transaction between market participants on the measurement date in the Plan’s principal or most advantageous market for the asset or liability. Fair value measurements are determined by maximizing the use of observable inputs and minimizing the use of unobservable inputs. The hierarchy places the highest priority on unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurements) and gives the lowest priority to unobservable inputs (Level 3 measurements). The three levels of inputs within the fair value hierarchy are defined as follows: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Plan has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect the Plan’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. In some cases, a valuation technique used to measure fair value may include inputs from multiple levels of the fair value hierarchy. The lowest level of significant input determines the placement of the entire fair value measurement in the hierarchy. The fair values of LFC common stock and mutual fund investments are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs). Net Appreciation In Fair Value of Investments: In accordance with the policy of stating investments at fair value, net unrealized appreciation for the year along with gains and losses on sales of investments are reflected in the statement of changes in net assets available for benefits as net appreciation in fair value of investments. Unrealized appreciation for investments held as of the end of the current fiscal year is the difference between the current value of those investments and the value of those investments as of the end of the prior fiscal year or the purchase date for investments purchased during the year.
Estimates	Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires the plan administrator to make estimates and assumptions that affect certain reported amounts and disclosures, and actual results may differ from these estimates.
Payment of Benefits	Payment of Benefits: Benefits are recorded when paid.
Concentration of Credit Risk and Risks and Uncertainties	Concentration of Credit Risk: At December 31, 2025 and 2024, 25% and 33% of the Plan’s investments were in LFC common stock, respectively. Risks and Uncertainties: The Plan provides for various investment options including any combination of certain mutual funds and stocks. The investments are exposed to various risks, such as interest rate risk, credit risk, liquidity risk, and overall market volatility risk, among others. Due to the level of risk associated with certain investments and the level of uncertainty related to changes in the value of investments, it is at least reasonably possible that changes in the values of investments will occur in the near term and that such changes could materially affect the amounts reported in the statements of net assets available for benefits, and future statements of changes in net assets available for benefits and participants’ account balances.

- Definition

Disclosure of accounting policy for use of estimate in preparation of financial statement of employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).

+ References + Details

STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS - EBP 004	12 Months Ended
	Dec. 31, 2025 USD ($)
Investment income
Interest and dividends income	$ 5,628,948
Net appreciation in fair value of investments	3,572,432
Total investment income	9,201,380
Contributions
Employer	2,890,777
Participants	4,019,985
Rollover	428,884
Total contributions	7,339,646
Total additions	16,541,026
Deductions from net assets attributed to:
Benefits paid directly to participants	10,302,698
Administrative expenses	1,469
Total deductions	10,304,167
Net increase	6,236,859
Net assets available for benefits
Beginning of year	122,560,150
End of year	$ 128,797,009

PARTIES-IN-INTEREST TRANSACTIONS - Related Party Investments (Details) - EBP 004 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Investments, at fair value	$ 127,190,507	$ 121,252,135
LFC common stock
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Investments, number of shares (in shares)	552,388	584,569
LFC common stock \| Quoted Prices in Active Markets for Identical Assets (Level 1)
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Investments, at fair value	$ 31,519,256	$ 40,194,948

- Definition

+ References

+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

12 Months Ended

Dec. 31, 2025

EBP 004

EBP, Accounting Policy [Line Items]

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The policies and principles, which significantly affect the determination of net assets and changes in net assets, are summarized below.

Basis of Accounting: The accounting practices and principles followed by the Plan and the methods of applying those principles conform to U.S. generally accepted accounting principles. The financial statements of the Plan are prepared under the accrual basis of accounting.

Investment Valuation and Income Recognition: The Plan’s investments are reported at fair value. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date.

Fair value is the price that would be received by the Plan for an asset or paid by the Plan to transfer a liability (an exit price) in an orderly transaction between market participants on the measurement date in the Plan’s principal or most advantageous market for the asset or liability. Fair value measurements are determined by maximizing the use of observable inputs and minimizing the use of unobservable inputs. The hierarchy places the highest priority on unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurements) and gives the lowest priority to unobservable inputs (Level 3 measurements). The three levels of inputs within the fair value hierarchy are defined as follows:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Plan has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect the Plan’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

In some cases, a valuation technique used to measure fair value may include inputs from multiple levels of the fair value hierarchy. The lowest level of significant input determines the placement of the entire fair value measurement in the hierarchy.

The fair values of LFC common stock and mutual fund investments are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs). Investments measured at fair value on a recurring basis are summarized below:


	Fair Value Measurements at December 31, 2025 Using
	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

LFC common stock	$	31,519,256	$	0	$	0
Mutual funds	95,671,251		0		0

	Fair Value Measurements at December 31, 2024 Using
	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

LFC common stock	$	40,194,948	$	0	$	0
Mutual funds	81,057,187		0		0

Net Appreciation In Fair Value of Investments: In accordance with the policy of stating investments at fair value, net unrealized appreciation for the year along with gains and losses on sales of investments are reflected in the statement of changes in net assets available for benefits as net appreciation in fair value of investments. Unrealized appreciation for investments held as of the end of the current fiscal year is the difference between the current value of those investments and the value of those investments as of the end of the prior fiscal year or the purchase date for investments purchased during the year.

Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires the plan administrator to make estimates and assumptions that affect certain reported amounts and disclosures, and actual results may differ from these estimates.

Payment of Benefits: Benefits are recorded when paid.

Concentration of Credit Risk: At December 31, 2025 and 2024, 25% and 33% of the Plan’s investments were in LFC common stock, respectively.

Risks and Uncertainties: The Plan provides for various investment options including any combination of certain mutual funds and stocks. The investments are exposed to various risks, such as interest rate risk, credit risk, liquidity risk, and overall market volatility risk, among others. Due to the level of risk associated with certain investments and the level of uncertainty related to changes in the value of investments, it is at least reasonably possible that changes in the values of investments will occur in the near term and that such changes could materially affect the amounts reported in the statements of net assets available for benefits, and future statements of changes in net assets available for benefits and participants’ account balances.

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Concentration of Credit Risk (Details)	Dec. 31, 2025	Dec. 31, 2024
EBP 004 \| LFC common stock
EBP, Accounting Policy [Line Items]
Concentration risk percentage	25.00%	33.00%

Cover	12 Months Ended
Cover	Dec. 31, 2025
Document Information [Line Items]
Document Type	11-K
Entity Registrant Name	Lakeland Financial Corporation
Entity Central Index Key	0000721994
Amendment Flag	false
EBP 004
Document Information [Line Items]
Document Type	11-K
Entity Registrant Name	Lakeland Financial Corporation
Entity Central Index Key	0000721994
Amendment Flag	false

SUBSEQUENT EVENTS (Details) - EBP 004		12 Months Ended
SUBSEQUENT EVENTS (Details) - EBP 004	Jan. 01, 2026	Dec. 31, 2025
EBP, Subsequent Event [Line Items]
Participant compensation matched, percentage		6.00%
Subsequent Event
EBP, Subsequent Event [Line Items]
Participant compensation matched, percentage	6.00%

PLAN TERMINATION	12 Months Ended
PLAN TERMINATION	Dec. 31, 2025
EBP 004
EBP, Description of Plan [Line Items]
PLAN TERMINATION	PLAN TERMINATION Although it has not expressed any intent to do so, LFC has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions of ERISA and its related regulations. In the event of termination, participants will become 100% vested in their accounts.