Landmark Bancorp Inc
investor.banklandmark.comLandmark Bancorp Inc (NASDAQ: LARK) is a community banking company that operates through its bank subsidiary, accepting deposits and originating loans across its market area. It earns money primarily through net interest income, the spread between interest earned on loans and interest paid on deposits. The loan portfolio, as of December 31, 2025, is concentrated in commercial real estate (CRE) at approximately 35.5% of total loans, with construction and land loans comprising approximately 1.8% of total loans. The bank competes against a broad field including large national and regional banks, local community banks, credit unions, mortgage companies, insurance companies, fintech companies, and digital asset service providers, many of which hold greater financial and technological resources. Landmark's strategy centers on community-based banking, relying on management teams with local market knowledge for deposit gathering, loan origination, and branch operations, including an office in Iola, Kansas, located on a CERCLA-designated Superfund site.
Products & Services
Commercial real estate loans (approximately 35.5% of total loans as of December 31, 2025), construction and land loans (approximately 1.8% of total loans as of December 31, 2025), deposit accounts, online banking, mobile banking.
Revenue Model
Net interest income from the spread between loan yields and deposit costs, consistent with a traditional community bank transactional model.
Customers & Markets
Retail and commercial borrowers and depositors within the bank's local community market area. End markets include commercial real estate development and residential construction.
Geographic Exposure
Local community market area including Iola, Kansas, based on branch references in the 10-K filed 2026-04-14.
Financial Snapshot
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