Landmark Bancorp Q3 EPS $0.85, net earnings $4.9M; declares $0.21 cash and 5% stock dividend

LANDMARK BANCORP INC

2025-Q3 EPS reported $2.41

Diluted EPS $0.85 vs $0.68 YoY; net earnings $4.9M (+25.6%); ROAA 1.21%, ROAE 13.00%.
Net interest income $14.1M (+21.5% YoY); NIM 3.83% (+53 bps); efficiency ratio improved to 60.7%.
Non-accrual loans declined $7.0M; net charge-offs $2.3M from a previously disclosed commercial loan resolution.
Board declared $0.21 cash dividend (payable Nov 26) and 5% stock dividend (Dec 15); 25th consecutive year.

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