The earnings call highlighted strong net income growth, a record high in loan balances, and improved efficiency ratios, underscoring positive financial performance. However, challenges such as increased nonperforming loans, a decrease in deposits, and higher provisions for credit losses were also noted, balancing the overall sentiment.

Company Guidance -

Q3 2025

During the Landmark Bancorp, Inc. Q2 2025 earnings call, the company reported strong financial performance with a net income of $4.4 million, up from $3 million in the same quarter last year. The diluted earnings per share increased by 56% to $0.75. The return on average assets stood at 1.11%, and the return on average equity was 12.25%. The efficiency ratio improved to 62.8% from the previous year's 67.9%. Landmark's total gross loans increased by $42.9 million, or 16% annualized, leading to a net interest income growth of 4.3% compared to Q1 2025 and a net interest margin increase of 7 basis points to 3.83%. The allowance for credit losses was $13.8 million, representing 1.23% of total loans, with net charge-offs totaling $40,000 for the quarter. Deposits totaled $1.3 billion, a decline of $61.9 million from the previous quarter, but up $23.4 million year-over-year. Stockholders' equity increased by $5.7 million, and the book value per share rose to $25.66. The bank's leverage ratio was 9.2%, and the total risk-based capital ratio was 13.6%.

Strong Net Income Growth

Net income in the second quarter totaled $4.4 million compared to $3 million in the same period last year, reflecting a 46.7% increase.

Significant Loan Growth

Total gross loans increased by $42.9 million or 16% on an annualized basis, surpassing $1.1 billion in total loan balances.

Efficiency Ratio Improvement

The efficiency ratio improved to 62.8% from 67.9% in the second quarter of 2024.

Record High Loan Balances

Gross loans reached a new record high, with significant contributions from residential mortgage, commercial, and commercial real estate portfolios.

Continued Dividend Payments

Declared a cash dividend of $0.21 per share, marking the 96th consecutive quarterly cash dividend since the company's formation in 2001.

Landmark Bancorp (LARK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

LARK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	- / -	0.716	―	―	―
Jul 24, 2025	2025 (Q2)	- / 0.75	0.524	43.13% (+0.23)	―
Apr 30, 2025	2025 (Q1)	- / 0.81	0.483	67.29% (+0.33)	―
Feb 05, 2025	2024 (Q4)	- / 0.57	0.458	23.80% (+0.11)	―
Oct 30, 2024	2024 (Q3)	- / 0.68	0.5	36.20% (+0.18)	―
Aug 05, 2024	2024 (Q2)	- / 0.52	0.584	-10.27% (-0.06)	―
May 01, 2024	2024 (Q1)	- / 0.48	0.583	-17.15% (-0.10)	―
Jan 31, 2024	2023 (Q4)	- / 0.46	0.21	118.10% (+0.25)	―
Oct 31, 2023	2023 (Q3)	- / 0.50	0.433	15.47% (+0.07)	―
Aug 08, 2023	2023 (Q2)	- / 0.58	0.524	11.45% (+0.06)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

LARK Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$26.11	$26.19	+0.31%
Apr 30, 2025	$28.01	$29.60	+5.68%
Feb 05, 2025	$23.38	$23.81	+1.84%
Oct 30, 2024	$18.62	$19.53	+4.89%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Landmark (LARK) report earnings?

Landmark (LARK) is schdueled to report earning on Nov 04, 2025, After Close (Confirmed).

What is Landmark (LARK) earnings time?

Landmark (LARK) earnings time is at Nov 04, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is LARK EPS forecast?

Currently, no data Available

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