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Landmark Bancorp
Landmark Bancorp (LARK) investor relations material
Landmark Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for 2025 was $18.8 million, with diluted EPS of $3.07, up 43%–44.4% year-over-year; Q4 net income was $4.7 million ($0.77 per share).
Tangible book value per share rose to $20.79, up $0.83 sequentially and $4.09 (24%) year-over-year.
Book value per share at year-end was $26.44, up from $25.64 at September 30.
Declared a $0.21 per share cash dividend, marking the 98th consecutive quarterly dividend, payable February 26, 2026.
Financial highlights
Net interest income for Q4 was $14.8 million, up $695,000 sequentially, 4.9% from Q3, and $2.4 million (19.3%) year-over-year.
Net interest margin for Q4 was 4.03%, up 20 basis points sequentially and 52 basis points year-over-year; full-year margin was 3.86%.
Efficiency ratio improved to 62.7% in 2025 from 69.1% in 2024.
Total loans ended the year at $1.1 billion, with 11.5% average total loan growth for 2025.
Deposits totaled $1.4 billion at year-end, up $63.4 million in Q4 and $60.1 million year-over-year.
Outlook and guidance
Plans to continue investing in talent, strategic initiatives, and capabilities to drive growth in 2026.
Focus remains on capitalizing on market opportunities, strengthening customer relationships, and maintaining expense discipline.
What specific actions reduced Q4 funding costs
What drove Q4 loan portfolio composition shift
Detail Q4 non-interest expense increase factors
Status of NPLs with government guarantees
Investment portfolio repositioning goals
Address Q4 loan portfolio mix changes
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Next Landmark Bancorp earnings date
Q1 202630 Apr, 2026
Landmark Bancorp
Next Landmark Bancorp earnings date
Q1 202630 Apr, 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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