Investing in Stability: Why Landmark Bancorp Shines
Exploring Landmark Bancorp's Recent Performance
Before the release of its fourth-quarter earnings, it's insightful to review Landmark Bancorp's (LARK) prior quarterly results to update our investment perspective. We previously covered LARK in an article from 2022, which you can find here.
Overview of Landmark Bancorp's Financial Strength
Landmark Bancorp's third-quarter 2025 results were impressive, showcasing a significant 20% increase in net interest income and an earnings per share (EPS) of $0.85. The bank's balance sheet reflects a conservative approach, with approximately 25% of its assets held in cash and securities. The loan portfolio is predominantly concentrated in real estate, indicating a stable asset base. Additionally, non-accruing loans decreased by 25% to $10 million, and loan loss provisioning remains low compared to pre-tax, pre-provision earnings, underscoring the robust credit quality of the bank.