The earnings call highlights strong financial performance with significant increases in net income, loan growth, and improved efficiency ratios. However, concerns arise from the decrease in deposits and the increase in nonperforming loans, as well as the need to provision for credit losses. Despite these challenges, the overall sentiment remains optimistic due to the bank's strong growth and performance metrics.

Company Guidance

During the second quarter of 2025, Landmark Bancorp, Inc. reported strong financial performance with net income reaching $4.4 million, a significant increase from $3 million in the same period last year, driven by a 4.3% growth in net interest income. The diluted earnings per share rose by 56% to $0.75, while the return on average assets was 1.11% and the return on average equity stood at 12.25%. The efficiency ratio improved to 62.8%, reflecting controlled expenses. Gross loans grew by $42.9 million, or 16% on an annualized basis, bringing total loans to over $1.1 billion. Net interest margin increased by 7 basis points to 3.83%. The allowance for credit losses was $13.8 million, or 1.23% of total loans, with an additional $1 million provision made during the quarter. Despite a $61.9 million decrease in deposits on a linked quarter basis, deposits totaled $1.3 billion, showing a 1.9% year-over-year increase. Stockholders' equity rose by $5.7 million to $148.4 million, contributing to a book value per share of $25.66. The bank's capital ratios remained strong, with a leverage ratio of 9.2% and a total risk-based capital ratio of 13.6%. Landmark Bancorp, Inc. declared a cash dividend of $0.21 per share, marking its 96th consecutive quarterly dividend.

Significant Increase in Net Income

Net income for the second quarter of 2025 totaled $4.4 million, up from $3.0 million in the same period last year, reflecting a 46.7% increase.

Strong Loan Growth

Total gross loans increased by $42.9 million, or 16% on an annualized basis, with the total loan balances now exceeding $1.1 billion.

Improved Efficiency Ratio

The efficiency ratio improved to 62.8% for the second quarter of 2025 compared to 67.9% in the second quarter of 2024.

Increase in Earnings Per Share

Diluted earnings per share increased by 56% over the same quarter last year, totaling $0.75.

Dividend Announcement

The Board of Directors declared a cash dividend of $0.21 per share, marking the 96th consecutive quarterly cash dividend.

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	43.89% (+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	$25.90	$25.98	+0.31%
Apr 30, 2025	$27.79	$29.37	+5.69%
Feb 05, 2025	$23.19	$23.62	+1.85%
Oct 30, 2024	$18.47	$19.38	+4.93%

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 Bancorp Inc. (LARK) report earnings?

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

What is Landmark Bancorp Inc. (LARK) earnings time?

Landmark Bancorp Inc. (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?

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What is LARK EPS forecast?

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