What changed 10-K

Item 1B. Unresolved Staff Comments

2025-02-19 compared with 2024-02-21 · 4 added, 0 removed, 28 unchanged (13% of the section changed)

27 unchanged sentences

None of the Company’s real property assets are the subject of any material encumbrances.

LEGAL PROCEEDINGS

There are no material pending legal proceedings, other than ordinary routine litigation incidental to the business of the Company, to which Lakeland Financial or the Bank is a party or to which any of their property is subject.

MINE SAFETY DISCLOSURES

Not applicable.

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.