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Landmark Bancorp Inc is the holding company for Landmark National Bank, which serves individuals and businesses mainly in Kansas communities and the Kansas City metropolitan area. The bank gathers deposits from households, businesses and public entities, then uses that funding to make loans and hold investments. Most of its income comes from interest earned after paying interest on its funding.
Commercial property loans and home mortgages make up most of its lending. It also lends to businesses and farms. The bank sells most newly originated fixed-rate home mortgages into the secondary market while retaining variable-rate mortgages. Mortgage sales, loan servicing and deposit-service fees provide a smaller source of income.
The business depends on retaining local deposits, borrowers repaying their loans and the gap between lending and funding rates. Its concentration in Kansas and real estate ties it closely to local business conditions and property values. Capital requirements can restrict growth and payments to shareholders, while earnings-based regulatory limits also constrain how much cash the bank can send to the holding company.
The risk section is the longest, dullest part of the filing. This keeps only what can really hurt you: where it hits, how hard, when it plays out.
Every company claims an edge. Each one is checked against hard numbers like margins and returns: which hold, and which line gives way first.
National Bank Holdings, through Bank Midwest, competes with Landmark for deposits and commercial and consumer borrowers in Kansas and the Kansas City area. Watch Bank Midwest’s deposit and lending trends in those markets for a read on the competition Landmark faces.
Bancfirst Corp offers a comparison for Landmark’s local lending business: its Oklahoma banks and Landmark’s Kansas bank both take customer deposits and lend to businesses, farms and homeowners. Watch BancFirst’s small-business and farm lending, alongside deposit costs, for a comparison with Landmark’s demand and funding trends.
Western New England Bancorp and Landmark both depend heavily on loans to businesses and homeowners secured by property, making property-lending trends relevant to both. At December 31, 2025, commercial and residential real estate represented 50.4% and 39.3% of Western New England’s gross loans; watch growth and credit quality in those two loan groups.
First Capital Inc’s First Harrison Bank and Landmark have closely matched mortgage revenue and rate exposures: both sell newly made fixed-rate home loans and keep variable-rate loans to earn borrowers’ interest. Watch First Harrison’s home loans originated for sale and gains on those sales as a comparison for Landmark’s mortgage-sale income.
Bank First Corporation is a useful comparison for Landmark’s lending and funding: both build business-customer relationships, take household deposits and make home loans. Watch Bank First’s loans for small and medium-sized businesses and the rates it pays on deposits to compare loan demand and funding costs.
U.S. Bancorp’s U.S. Bank competes with Landmark for Kansas households’ and businesses’ deposits, home mortgages and commercial loans.
Housing Starts (Sep)
Housing starts, permits and sales track homebuilding and buyer demand; for Landmark, stronger activity can support demand for its Kansas home mortgages and the value of homes securing them, while weaker activity can make recovery from unpaid loans harder.
Expected1.31MLast release1.275M
If it comes in above expectations
If the reading is above the 1.31M estimate, it is above the previous 1.275M. More building or sales can strengthen demand for Landmark’s one-to-four-family mortgages and support home values securing those loans, aiding recovery if borrowers do not repay.
If it comes in below expectations
Less building or sales can weaken demand for Landmark’s home mortgages and put pressure on home values, making it harder to recover what is owed if borrowers default.
First Capital Inc earningsFCAP
First Capital's report will show how its newly originated home loans for sale and gains on those sales are changing, offering a comparison for Landmark's income from selling mortgages.
Read First Capital's volume of home loans originated for sale alongside its gains on those sales. More loans sold with stronger gains would show that this source of mortgage income is more active; fewer loans or weaker gains would mean less support from that channel. First Capital's results describe another bank, not Landmark's own mortgage sales in Kansas.
NATIONAL BANK HOLDINGS CORP. earningsNBHC
National Bank Holdings' report will show how Bank Midwest is gathering deposits and making loans in Kansas and the Kansas City area, where it competes with Landmark.
Look at Bank Midwest's lending and deposit trends in Kansas and the Kansas City area. Growth in both would show this competitor actively attracting borrowers and deposit customers in shared markets; weakness in either would point to less momentum there. Stronger activity means Landmark faces a more active fight for customers and funding, while a slowdown at Bank Midwest does not by itself prove that Landmark is gaining business.
Fed Interest Rate Decision
The Fed’s policy rate guides borrowing costs across the economy, affecting the interest Landmark earns on Kansas loans and pays on customer deposits, and the income left between them.
Expected4.0%Last release4.0%
If it comes in above expectations
If rates rise, interest on loans that reset and new loans may increase, but Landmark’s deposit costs may rise too; which moves faster determines whether its lending spread widens or narrows.
If it comes in below expectations
If rates fall, interest on loans that reset and new loans may decline, while deposit costs may also ease; the relative pace determines whether its lending spread widens or narrows, and lower rates may also support borrowing demand.
Landmark Bancorp Inc earningsThis company
Landmark Bancorp earns mainly by lending out customer deposits, and this report will show whether loan income still covers deposit costs without borrower problems worsening.
Read net interest margin alongside loan credit quality. Net interest margin is the gap between the interest a bank earns on its assets and the interest it pays on its funding. If the margin holds or widens while non-performing loans and credit-loss provisions do not worsen, deposits are still supporting earnings and borrowers are broadly keeping up. If the margin narrows while problem loans or provisions rise, funding costs or borrower strain are eating into the lending business.
Non Farm Payrolls (Oct)
The jobs report counts hiring across the economy; employment and income in Landmark’s Kansas markets affect whether its business, farm and property borrowers can repay loans and whether local customers seek borrowing.
Stronger hiring points to better support for income and repayment among Landmark’s local business, farm and property borrowers; weaker hiring points to more pressure on their cash flow and a greater risk of missed payments.
