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Landmark Bancorp (LARK) investor relations material
Landmark Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.9 million ($0.85 per diluted share), up 25.4% year-over-year, driven by higher net interest income from loan growth and controlled expenses.
For the first nine months of 2025, net earnings were $14.0 million, up 44.4% from the prior year, with diluted EPS of $2.41, a 42.6% increase year-over-year.
Return on average assets improved to 1.21% and return on average equity to 13.0% for Q3 2025.
Tangible book value per share rose to $20.96, up 15.7% year-over-year; book value per share increased to $26.92 at September 30, 2025.
The company declared its 97th consecutive quarterly cash dividend of $0.21 per share and a 5% stock dividend, to be issued December 15, 2025.
Financial highlights
Net interest income for Q3 2025 was $14.1 million, up 21.5% year-over-year and 3.0% sequentially, with net interest margin at 3.83%.
Non-interest income totaled $4.1 million, up $442,000 from Q2 2025, but down 4.3% year-over-year, mainly due to mortgage loan sales and lower deposit fees.
Non-interest expense was $11.3 million, up 6.6% year-over-year and 2.6% sequentially, mainly from higher compensation, professional fees, and occupancy costs.
Allowance for credit losses was $12.3 million (1.10% of gross loans), down from $13.8 million (1.23%) in Q2 2025 and $12.8 million (1.22%) at year-end.
Efficiency ratio improved to 60.7% from 66.5% year-over-year.
Outlook and guidance
Management expects continued profitability, strong capital base, and ongoing focus on credit quality, talent investment, and infrastructure upgrades.
Future dividend practices depend on economic and company performance.
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Next Landmark Bancorp earnings date
Q4 202530 Jan, 2026
Next Landmark Bancorp earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Landmark Bancorp Inc. operates as the holding company for Landmark National Bank, which provides a range of banking and financial services to individuals, businesses, and communities. The company offers deposit products such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending services include residential and commercial real estate loans, agricultural loans, and consumer loans. Landmark Bancorp also provides online and mobile banking, treasury management, and other financial solutions. The company is headquartered in Manhattan, Kansas, and its shares are listed on the NASDAQ.
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