Landmark Bancorp, Inc. (LARK) Earnings
Landmark Bancorp, Inc. is expected to report next earnings on July 23, 2026 (in NaN days).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 30, 2026 | — | $0.83 | — | $24M | — |
| Jan 28, 2026 | — | $0.77 | — | $25M | — |
| Oct 29, 2025 | — | $0.81 | — | — | — |
| Jul 24, 2025 | — | $0.71 | — | $24M | — |
| Apr 30, 2025 | — | $0.77 | — | $23M | — |
| Mar 25, 2025 | — | $0.57 | — | $22M | — |
| Oct 30, 2024 | — | $0.65 | — | $23M | — |
| May 1, 2024 | — | $0.46 | — | $21M | — |
| Oct 31, 2023 | — | $0.48 | — | $20M | — |
| May 2, 2023 | — | $0.55 | — | $18M | — |
| Nov 2, 2022 | — | $0.41 | — | $14M | — |
| Jul 26, 2022 | — | $0.50 | — | $13M | — |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 30, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
Abby Wendel mentioned Landmark had a strong start in 2026 with solid performance across key areas. Total revenue was record high, EPS increased, return on assets rose. Mark Herpich detailed net interest income growth, non-interest income and expense changes. Raymond McLanahan discussed loan portfolio changes, credit quality, net charge-offs, allowance for credit losses, and economic conditions in Kansas.
Guidance
Landmark will continue making targeted investments in revenue-generating activities to meet evolving customer needs. Actively evaluating opportunities to improve efficiency and modernize banking services delivery across its footprint.
Segment performance
Total revenue reached a record $18.8 million for the quarter. Net interest income increased 1.6% on a linked-quarter basis to $15 million, while the net interest margin expanded to 4.24%, up 21 basis points versus the fourth quarter of 2025. Loans ended the quarter at $1.1 billion, down slightly $13.5 million from year-end 2025, but up $23.3 million from a year ago. The commercial real estate portfolio saw strong growth, offsetting reductions in the agriculture portfolio. The residential mortgage portfolio was down as more originations were sold into the secondary market. On the deposit side, the reduction was largely due to seasonal outflows of public fund deposits and strategic replacement of brokered funding with FHLB borrowings, while core customer deposits increased 1.6% on a linked-quarter basis. Net charge-offs were 13 basis points of average loans during the quarter, while nonperforming loans increased $384,000.
Risks & headwinds
Pretax unrealized net losses on investment portfolio increased by $3.8 million to $11.3 million this quarter due to rising interest rates. Other expense increase related to $433,000 fraud losses recognized during the quarter related to fraudulent activity by a nonexecutive officer of the bank, coupled with higher insurance loss reserves at captive insurance subsidiary.