Landmark Bancorp Sees Year-over-Year Increase in Q3 Earnings Driven by Loan Growth and Credit Improvements
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 31 2025
0mins
Should l Buy LARK?
Source: NASDAQ.COM
Stock Performance: Landmark Bancorp, Inc. shares rose 0.9% following their third-quarter 2025 earnings report, contrasting with a 3% decline over the past month, while the S&P 500 saw a 3% rally during the same period.
Earnings Growth: The company reported a diluted EPS of 85 cents, a 25% increase from the previous year, with net income rising to $4.9 million, driven by higher net interest income and improved credit quality.
Loan and Deposit Trends: Gross loans remained stable at $1.1 billion, with significant growth in commercial and residential real estate, while deposits increased by $51.6 million, enhancing the loan-to-deposit ratio to 83.4%.
Dividends and Future Outlook: Landmark Bancorp declared a cash dividend of 21 cents per share and a 5% stock dividend, marking continued shareholder returns, while management expressed confidence in sustaining earnings momentum amid a healthy Kansas economy.
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Analyst Views on LARK
About LARK
Landmark Bancorp, Inc. is the holding company for Landmark National Bank (the Bank). The Bank is a community banking organization engaged in providing financial and banking services. The Company’s business consists of the ownership of the Bank and Landmark Risk Management, Inc. The Bank’s primary deposit gathering and lending markets are geographically diversified throughout central, eastern, southeast, and southwest Kansas. The Bank is principally engaged in the business of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to originate one-to-four family residential real estate, construction and land, commercial real estate (CRE), commercial, agriculture, municipal and consumer loans. The Bank also invests in certain investment and mortgage-related securities using deposits and other borrowings as funding sources. Landmark Risk Management, Inc. provides property and casualty insurance coverage to the Company and the Bank.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Landmark Bancorp to Release Q1 2026 Earnings on April 29
- Earnings Release Announcement: Landmark Bancorp has announced that it will release its Q1 2026 earnings after the market closes on April 29, 2026, which is expected to provide investors with critical financial performance data to assess the company's future growth potential.
- Conference Call Schedule: The company will host a conference call on April 30, 2026, at 10:00 AM Central Time to discuss the earnings results, aiming to enhance communication with investors, increase transparency, and address market concerns.
- Audio Recording Availability: An audio recording of the earnings call will be available until May 7, 2026, allowing investors who cannot participate live to access important information, thereby ensuring broader engagement with the company's financial updates.
- Company Background: Landmark Bancorp, the holding company for Landmark National Bank, focuses on providing quality financial and banking services, operating 29 locations across Kansas, which underscores its significant role in the local community banking sector.
See More
Landmark Bancorp Reports Strong Q4 2025 Earnings Growth
- Net Income Growth: Landmark Bancorp reported a net income of $4.7 million for Q4 2025, translating to diluted earnings per share of $0.77, which marks a significant increase from $3.3 million in Q4 2024, highlighting the company's robust profitability amid rising net interest income.
- Increase in Net Interest Income: The bank's net interest income reached $14.8 million in Q4, up $695,000 from the previous quarter, driven by improved asset yields and lower funding costs, thereby strengthening the company's financial position.
- Improvement in Nonperforming Loans: Nonperforming loans decreased slightly to just under $10 million, representing 0.90% of gross loans, down $3.1 million from year-end 2024, reflecting effective credit quality monitoring and risk management strategies.
- Continued Shareholder Returns: The board declared a cash dividend of $0.21 per share to be paid on February 26, 2026, marking the 98th consecutive quarterly cash dividend, which underscores the company's commitment to returning value to shareholders.
See More
Landmark Bancorp LARK Q4 2025 Earnings Transcript
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Landmark Bancorp Reports 44.4% Increase in Net Earnings for 2025
- Net Earnings Growth: Landmark Bancorp reported net earnings of $18.8 million for 2025, a 44.4% increase from $13.0 million in 2024, primarily driven by strong growth in net interest income and well-controlled non-interest expenses.
- Earnings Per Share Improvement: The diluted earnings per share for Q4 2025 was $0.77, showing a decrease from $0.81 in Q3 but a significant increase from $0.54 in the same quarter last year, reflecting ongoing improvements in profitability.
- Enhanced Capital Ratios: As of December 31, 2025, the tangible common equity to assets ratio increased to 8.03%, demonstrating robust capital management that helps bolster market confidence.
- Dividend Declaration: The Board declared a quarterly cash dividend of $0.21 per share, payable on February 26, 2026, to common stockholders of record as of February 12, 2026, highlighting the company's commitment to shareholder returns.
See More
Landmark Bancorp (LARK) to Release Q4 2025 Earnings on January 28, 2026
- Earnings Release Schedule: Landmark Bancorp will release its Q4 2025 earnings after market close on January 28, 2026, which is expected to provide investors with crucial financial performance data to assess the company's future growth potential.
- Conference Call Timing: The company will host a conference call on January 29, 2026, at 10:00 am CT to discuss the earnings results, aiming to enhance communication with investors and improve transparency and trust.
- Replay Information: A replay of the earnings call will be available until February 5, 2026, allowing investors who missed the live event to access key information by dialing (866) 813-9403 and using access code 974716.
- Company Background: Landmark Bancorp, headquartered in Manhattan, Kansas, operates 29 branches and is dedicated to providing quality financial services, thereby strengthening its competitive position in the local market.
See More
Landmark Bancorp Named to Piper Sandler SM-All Stars Class of 2025
- Honor Recognition: Landmark Bancorp has been named one of the 24 small-cap banks in the U.S. to Piper Sandler’s SM-All Stars Class of 2025, showcasing its outstanding performance in growth, profitability, credit quality, and capital strength.
- New Member: As one of the six new banks recognized this year, Landmark stands out in a competitive financial market, further solidifying its position among small banks and enhancing its reputation.
- Community Bank Mission: CEO Abby Wendel stated that this honor reflects the dedication of the team and the support of the Board, emphasizing the company's strategic focus on building personalized relationships with clients to enhance community impact.
- Business Expansion: With 29 branches across 23 communities in Kansas, this recognition is expected to boost brand visibility, attract more customers, and drive future business growth.
See More
Landmark Bancorp to Release Q1 2026 Earnings on April 29
- Earnings Release Announcement: Landmark Bancorp has announced that it will release its Q1 2026 earnings after the market closes on April 29, 2026, which is expected to provide investors with critical financial performance data to assess the company's future growth potential.
- Conference Call Schedule: The company will host a conference call on April 30, 2026, at 10:00 AM Central Time to discuss the earnings results, aiming to enhance communication with investors, increase transparency, and address market concerns.
- Audio Recording Availability: An audio recording of the earnings call will be available until May 7, 2026, allowing investors who cannot participate live to access important information, thereby ensuring broader engagement with the company's financial updates.
- Company Background: Landmark Bancorp, the holding company for Landmark National Bank, focuses on providing quality financial and banking services, operating 29 locations across Kansas, which underscores its significant role in the local community banking sector.
See More
Landmark Bancorp Reports Strong Q4 2025 Earnings Growth
- Net Income Growth: Landmark Bancorp reported a net income of $4.7 million for Q4 2025, translating to diluted earnings per share of $0.77, which marks a significant increase from $3.3 million in Q4 2024, highlighting the company's robust profitability amid rising net interest income.
- Increase in Net Interest Income: The bank's net interest income reached $14.8 million in Q4, up $695,000 from the previous quarter, driven by improved asset yields and lower funding costs, thereby strengthening the company's financial position.
- Improvement in Nonperforming Loans: Nonperforming loans decreased slightly to just under $10 million, representing 0.90% of gross loans, down $3.1 million from year-end 2024, reflecting effective credit quality monitoring and risk management strategies.
- Continued Shareholder Returns: The board declared a cash dividend of $0.21 per share to be paid on February 26, 2026, marking the 98th consecutive quarterly cash dividend, which underscores the company's commitment to returning value to shareholders.
See More
Landmark Bancorp LARK Q4 2025 Earnings Transcript
See More
Landmark Bancorp Reports 44.4% Increase in Net Earnings for 2025
- Net Earnings Growth: Landmark Bancorp reported net earnings of $18.8 million for 2025, a 44.4% increase from $13.0 million in 2024, primarily driven by strong growth in net interest income and well-controlled non-interest expenses.
- Earnings Per Share Improvement: The diluted earnings per share for Q4 2025 was $0.77, showing a decrease from $0.81 in Q3 but a significant increase from $0.54 in the same quarter last year, reflecting ongoing improvements in profitability.
- Enhanced Capital Ratios: As of December 31, 2025, the tangible common equity to assets ratio increased to 8.03%, demonstrating robust capital management that helps bolster market confidence.
- Dividend Declaration: The Board declared a quarterly cash dividend of $0.21 per share, payable on February 26, 2026, to common stockholders of record as of February 12, 2026, highlighting the company's commitment to shareholder returns.
See More
Landmark Bancorp (LARK) to Release Q4 2025 Earnings on January 28, 2026
- Earnings Release Schedule: Landmark Bancorp will release its Q4 2025 earnings after market close on January 28, 2026, which is expected to provide investors with crucial financial performance data to assess the company's future growth potential.
- Conference Call Timing: The company will host a conference call on January 29, 2026, at 10:00 am CT to discuss the earnings results, aiming to enhance communication with investors and improve transparency and trust.
- Replay Information: A replay of the earnings call will be available until February 5, 2026, allowing investors who missed the live event to access key information by dialing (866) 813-9403 and using access code 974716.
- Company Background: Landmark Bancorp, headquartered in Manhattan, Kansas, operates 29 branches and is dedicated to providing quality financial services, thereby strengthening its competitive position in the local market.
See More
Landmark Bancorp Named to Piper Sandler SM-All Stars Class of 2025
- Honor Recognition: Landmark Bancorp has been named one of the 24 small-cap banks in the U.S. to Piper Sandler’s SM-All Stars Class of 2025, showcasing its outstanding performance in growth, profitability, credit quality, and capital strength.
- New Member: As one of the six new banks recognized this year, Landmark stands out in a competitive financial market, further solidifying its position among small banks and enhancing its reputation.
- Community Bank Mission: CEO Abby Wendel stated that this honor reflects the dedication of the team and the support of the Board, emphasizing the company's strategic focus on building personalized relationships with clients to enhance community impact.
- Business Expansion: With 29 branches across 23 communities in Kansas, this recognition is expected to boost brand visibility, attract more customers, and drive future business growth.
See More
