MEDIUMBuilt-inLoan_portfolio
49.5%
commercial real estate loans
“10-K Item 1A: 'Commercial real estate loans were $2.667 billion, or approximately 49.5% of our total loan portfolio, as of December 31, 2025.'”
LKFN · Concentration risk · 10-K extracted
Lakeland Financial (LKFN) concentration risks
Updated
The most significant concentration Lakeland Financial discloses is commercial real estate loans at 49.5%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Lakeland Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH0
MEDIUM4
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMOutside partyLoan_portfolio
33.2%
public funds deposits
“10-K Item 1A: 'approximately 33.2% of our deposit balances are concentrated in public funds from municipalities and government agencies located in the Bank's geographic footprint.'”
MEDIUMBuilt-inLoan_portfolio
28.9%
commercial and industrial loans
“10-K Item 1A: 'Commercial and industrial loans were $1.554 billion, or approximately 28.9% of our total loan portfolio, as of December 31, 2025.'”
MEDIUMBuilt-inGeographic
Indiana
“10-K Item 1: 'the majority of the Bank's assets and income are located in and derived from our Indiana markets.'”
LOWBuilt-inLoan_portfolio
7.6%
agri-business loans
“10-K Item 1A: 'Our agri-business loans, which totaled $406.9 million, or approximately 7.6% of our total loan portfolio, as of December 31, 2025'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Lakeland Financial's concentration profile is dominated by medium-share structural exposures within its loan book, layered with a geographic footprint and a funding-side dependency. Commercial real estate loans represent 49.5% of the total loan portfolio, and commercial and industrial loans add another 28.9% — together the two largest categories, both medium-share and structural, reflecting the bank's core lending mix rather than any single counterparty risk. Operations are also geographically concentrated, with the majority of assets and income derived from Indiana markets, a further medium-share structural feature. On the funding side, a medium-share dependency exists in public funds deposits, which make up 33.2% of deposit balances and tie a meaningful slice of the funding base to municipal and government-agency depositors. A smaller, low-share exposure — agri-business loans at 7.6% of the portfolio — rounds out the picture and is unlikely to be a standalone swing factor. Collectively, the loan-mix and geographic concentrations are structural features of a community bank model, while the public-funds deposit reliance is the exposure most sensitive to counterparty behavior.
For the engine’s reasoning on LKFN’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| LKFN● | Lakeland Financial Corporation | 0 | 4 | 1 | 5 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.