Daniel Brian Starr - 12 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: 12 Jan 2026
Net transactions value: +$17,519
Form type: 4
Filing time: 14 Jan 2026, 14:15:19 UTC
Previous filing: 06 Aug 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Starr Daniel Brian	Director	LAKELAND FINANCIAL CORPORATION, P.O. BOX 1387, WARSAW	/s/ Becka J. Turnbow, Attorney-in-Fact	12 Jan 2026	0002069860

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	LKFN	Common Stock	Award	$0	+650	+100%	$0.000000	1,300	13 Jan 2026	Direct

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	Award	$17,519	+309	+343%	$56.69	399	12 Jan 2026	Common Stock	309		Direct	F1, F2, F3

* 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	Phantom stock is exercisable after the directors' retirement as a Board member.
F3	Phantom shares expire after the directors' retirement as a Board member.