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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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Latest events from Landmark Bancorp
- Q2 2024 saw $3.0M earnings, strong loan growth, and improved efficiency despite a one-time expense.LARK
Q2 20242 Feb 2026 - Q3 net earnings rose 36.6% year-over-year on loan growth, margin expansion, and a 5% stock dividend.LARKQ3 202417 Jan 2026
- Q1 2025 net income rose 69% to $4.7M, with margin gains and strong credit quality.LARKQ1 202524 Dec 2025
- Plans to raise up to $75M in securities for growth, capital, and acquisitions.LARKRegistration Filing22 Dec 2025
- Shareholders will vote on director elections, executive pay, auditor ratification, and governance updates.LARKProxy Filing1 Dec 2025
- Earnings grew 6.3% in 2024, with robust loan growth, margin expansion, and strong credit quality.LARKQ4 20241 Dec 2025
- Q2 2025 net income up 46% on strong loan growth, margin gains, and solid capital ratios.LARKQ2 202516 Nov 2025
- Q3 2025 net income up 25.4% to $4.9M, with strong loan growth and robust capital ratios.LARKQ3 202513 Nov 2025
Next Landmark Bancorp earnings date
Q1 202630 Apr, 2026
Landmark Bancorp
Next Landmark Bancorp earnings date
Q1 202630 Apr, 2026
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