[Form 4] Lakeland Financial Corp Insider Trading Activity

Rhea-AI Filing Summary

On 9 July 2025, Director Melinda Jo Truex of Lakeland Financial Corp. (LKFN) filed a Form 4 detailing two recent common-stock transactions:

• 11 June 2025 – 18,328 shares reported under transaction code W at a stated price of $0; post-transaction direct ownership: 34,835 shares.
• 8 July 2025 – 650 additional shares reported under transaction code A at a stated price of $0; post-transaction direct ownership: 35,485 shares.

The filing confirms that Truex is a director, acted as a single reporting person, and now holds 35,485 LKFN shares directly. No derivative security activity was disclosed.

Insights

Securities Analyst

TL;DR – Modest insider share additions; neutral valuation impact.

The Form 4 shows Director Melinda Jo Truex increasing her direct LKFN stake by a combined 18,978 shares across June–July 2025, ending with 35,485 shares. The transactions were recorded at a stated price of $0, indicating non-open-market activity such as awards or withholding settlements, although the filing does not specify the nature beyond codes W and A. The volume is minor relative to LKFN’s typical daily trading and outstanding share base, so market impact is expected to be limited. Nonetheless, ongoing accumulation by a board member can be interpreted as alignment with shareholder interests. Overall, the disclosure is routine and neutral from a materiality perspective.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Truex Melinda Jo

(Last) (First) (Middle)

LAKELAND FINANCIAL CORPORATION

P.O. BOX 1387

(Street)

WARSAW IN 46581

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
LAKELAND FINANCIAL CORP [ LKFN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
06/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/11/2025		W		18,328	A	$0	34,835	D
Common Stock	07/08/2025		A		650	A	$0	35,485	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Becka J. Turnbow, Attorney-in-Fact	07/09/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions were reported for LKFN on the latest Form 4?

Director Melinda Jo Truex disclosed acquiring 18,328 shares on 06/11/2025 and 650 shares on 07/08/2025.

How many LKFN shares does Director Truex own after the transactions?

Following the reported activity, she holds 35,485 common shares directly.

Which transaction codes appear in the LKFN Form 4?

The filing lists code W for the 18,328-share entry and code A for the 650-share acquisition.

Were any derivative securities involved in the filing?

No. Table II shows no derivative security transactions.

Is the Form 4 filed by multiple reporting persons?

No. It is filed by one reporting person only, as indicated in Box 6.