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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 24.1% year-over-year, driven by growth in net interest income and controlled expenses.
Diluted EPS for Q3 2025 was $0.85, up from $0.75 in Q2 2025 and $0.68 in Q3 2024; net earnings reached $4.9M, up from $4.4M in Q2 and $3.9M year-over-year.
For the first nine months of 2025, diluted EPS totaled $2.41, a 42.6% increase year-over-year; net earnings for the period were $14.0M, up 44.4% from $9.7M in 2024.
Return on average assets improved to 1.21% and return on average equity to 13.0% for the quarter.
Tangible book value per share rose to $20.96, up 6.6% sequentially and 15.7% year-over-year.
Financial highlights
Net interest income reached $14.1 million, up $411,000 from Q2 2025, with interest income on loans at $17.8 million due to higher average loan balances.
Non-interest income totaled $4.1 million, up $442,000 from the prior quarter, mainly from mortgage loan sales and higher deposit-related fees.
Non-interest expense was $11.3 million, up $290,000 sequentially, mainly due to higher professional fees, occupancy, and compensation.
Book value per share was $26.92 at September 30, 2025, up from $24.18 a year ago.
Efficiency ratio improved to 60.7% from 66.5% year-over-year.
Outlook and guidance
Focus remains on maintaining strong credit quality, investing in talent, and infrastructure upgrades to support growth.
Management is confident in the portfolio's resilience and ability to navigate market dynamics.
Management highlighted continued strong loan demand and deposit growth, with expectations to build on current momentum.
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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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