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Lakeland Financial LKFN Life Insurance — Bank Owned Life Insurance

Other product segments

Deferred Compensation
$7M+16.7%

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Other financials

Income statement

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Revenue$70.9M+6.8%
Net income$28.4M+5.5%
EPS (diluted)$1.13+8.7%

Balance sheet

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Cash & equivalents$194.1M-37.4%
Total debt$147.9M+1,064%
Total equity$773.3M+8.9%
Total assets$7.2B+4.0%

Cash flow

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Operating cash flow$24.4M+50.7%
CapEx$5.2M+147%
Free cash flow$19.1M+36.1%

Valuation

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Market cap$1.53B-0.4%
Enterprise value$1.49B+19.8%
P/E13.8×-2.5×
P/S5.5×-0.5×

Profitability

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Net margin39.8%+2.7pp
FCF margin40%+3.4pp

Returns & leverage

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Return on equity15%+1.1pp
Debt / equity0.2×+0.2×

Where this comes from

Reported directly by Lakeland Financial in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The source filing: Lakeland Financial’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 8:00 AM EST
Fiscal year
FY2025
Accession
0000721994-26-000018

At December 31, 2025 and 2024, the Company owned $123.0 million and $107.3 million, respectively, of life insurance policies on certain officers to provide a life insurance benefit for these officers. At December 31, 2025 and December 31, 2024, the Company also owned $7.0 million and $6.0 million, respectively, of variable life insurance on certain officers related to a deferred compensation plan. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, i.e., the cash surrender value adjusted for other changes or other amounts due that are probable at settlement.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Lakeland Financial's life insurance — bank owned life insurance?
Lakeland Financial (LKFN) reported life insurance — bank owned life insurance of $123M in Q4 2025.
How has Lakeland Financial's life insurance — bank owned life insurance changed year-over-year?
Lakeland Financial's life insurance — bank owned life insurance increased by 14.6% year-over-year, from $107.3M to $123M.
What does life insurance — bank owned life insurance mean?
This metric represents the carrying value of Bank-Owned Life Insurance (BOLI) policies held by the institution as a long-term investment asset. These policies are typically utilized by financial institutions to offset the costs associated with employee benefit programs and to provide a tax-advantaged source of non-interest income. The balance reflects the cash surrender value of these policies, which serves as a stable, low-risk component of the bank's investment portfolio.

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