Melinda Jo Truex - 13 Jan 2026 Form 4 Insider Report for LAKELAND FINANCIAL CORP (LKFN)

Role: Director
Signature: /s/ Becka J. Turnbow, Attorney-in-Fact
Issuer symbol: LKFN
Transactions as of: 13 Jan 2026
Net transactions value: $0
Form type: 4
Filing time: 14 Jan 2026, 16:51:22 UTC
Previous filing: 06 Nov 2025
Next filing: 06 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Truex Melinda Jo	Director	LAKELAND FINANCIAL CORPORATION, P.O. BOX 1387, WARSAW	/s/ Becka J. Turnbow, Attorney-in-Fact	13 Jan 2026	0002070264

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	LKFN	Common Stock	Award	$0	+650	+1.8%	$0.000000	36,135	13 Jan 2026	Direct
transaction	LKFN	Common Stock	Options Exercise	$0	+2,138	+6.8%	$0.000000	33,754	14 Jan 2026	By Spouse

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	LKFN	Phantom Stock	Options Exercise	$0	-2,138	-17%	$0.000000	10,118	14 Jan 2026	Common Stock	2,138		By Spouse	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each Phantom Stock unit exercises into 1 share of Common Stock.
F2	The Phantom Stock will be delivered in 6 remaining annual installments.