Landmark Bancorp Inc. · NASDAQ:LARK
Landmark Bancorp — Investor Presentation (September 2026)
22 slides from Landmark Bancorp's investor presentation, September 2026
Slide 1: Investor Presentation
Exhibit 99.1 Investor Presentation September 2026 1
Slide 2: Forward Looking Statements
FORWARD LOOKING STATEMENTS THIS PRESENTATION AND FUTURE ORAL AND WRITTEN STATEMENTS BY US OR OUR MANAGEMENT, MAY CONTAIN FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF SECTION 27A OF THE SECURITIES ACT OF 1933, AS AMENDED, AND SECTION 21E OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. THE COM
Slide 3: Landmark Bancorp, Inc. at a glance
LANDMARK BANCORP, INC. NASDAQ: LARK Founded 1885 Serving Kansas and Kansas City $1.6B (1) 1.35 % (1) 6.1 % (1 ) ROAA Q2 2026 Headquarters: for over 150 years Assets EPS • Manhattan, Kansas • 28 full-service branches increase Executive/Admin Office: • 1 LPO in KCMO • Overland Park, Kansas (KC) • Serv
Slide 4: 2Q 2026 Financial Highlights
2Q 2026 FINANCIAL HIGHLIGHTS Profitability and Earnings $ in millio ns unless o therwise no ted 2Q 2025 1Q 2026 2Q 2026 • Total revenue increased to $19.2 million Profitability Return on Average Assets 1.11% 1.29% 1.35% • Diluted earnings per share increased 6.1% on a linked- Return on Average Equit
Slide 5: Growth History
GROWTH HISTORY 8% CAGR Organic Loan Growth ==> Historical growth driven primarily via acquisition LPO Opened Kansas City, MO ==> Leverage de novo and LPO strategy Acquisition of Freedom Bank February 2024 Johnson County / KC MSA ==> Building out commercial team to drive organic growth Closing Date:
Slide 6: Communities We Serve
COMMUNITIES WE SERVE Ce nt r a l Re g i o n E a s t e r n Re g i o n S ou t hwe s t Re g io n Auburn, Junction City, Manhattan, Lawrence, Lenexa, Louisburg, Dodge City, Garden City, Great Osage City, Topeka and Wamego Osawatomie, Overland Park, Bend, Hoisington and LaCrosse Paola, Prairie Village an
Slide 7: Who We Are
WHO WE ARE Commercial Banking Retail Banking Mor tgage Banking • Target small to middle market privately held • Target customers who live in the • Target customers who live in the businesses and their owners communities where we operate communities where we operate • Commercial Loans: • 28 branches
Slide 8: Profitability Overview
PROFITABILITY OVERVIEW Return on Average Assets Return on Average Equity Total Revenue ($M) Efficiency Ratio * $ in millions * See Non-GAAP Disclosure 8
Slide 9: Expanding Net Interest Margin
EXPANDING NET INTEREST MARGIN Net Interest Income (Quarterly) Net Interest Margin $ in millions Net Interest Income (Annually) • Net interest income expansion driven by higher rates on securities and lower costs on deposits $ in millions and borrowings. • Disciplined pricing • Yield on loans = 6.31%
Slide 10: Non-Interest Income
NON-INTEREST INCOME Non-Interest Income Adjusted Non-Interest Income / Adj Total Revenue * $ in millions Mortgage Banking ($M) Non-Interest Income Detail ($M) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Fees and service charges $ 2.48 $ 2.66 $ 2.67 $ 2.36 $ 2.45 Gains on Sale of Loans 0.74 0.95 0.93 0.8
Slide 11: Securities Portfolio
SECURITIES PORTFOLIO (1) Available For Sale Securities • Projected twelve-month cash flow of $78.6 million at approximately 2.88% • $3.8 million in HTM securities at June 30, 2026 • Fair value = $3.55 million • Duration of 4.2 years • FTE yield increased to 3.66% in the second quarter Securities as
Slide 12: Diversified Loan Portfolio
DIVERSIFIED LOAN PORTFOLIO Loan Composition (1) • 35% of total loans are Commercial and Owner Occupied CRE • Total gross loans increased by $3.3 million during the quarter • Growth was driven by increases in construction, commercial and agriculture • Declines were primarily in residential real estat
Slide 13: Attractive Core Deposit Base
ATTRACTIVE CORE DEPOSIT BASE • Total deposits decreased in the second quarter primarily due to a (1) Deposit Composition paydown of brokered deposits • Core customer deposits increased on a linked quarter basis • Portfolio comprised of mostly transaction accounts • 29% noninterest-bearing deposits •
Slide 14: Asset Quality
ASSET QUALITY Non-accrual Loans to Loans ACL to Loans Net Charge-Off’s to Average Loans • Continue to actively work down select relationships • Nonaccrual loans increased to $13.1 million at June 30, 2026 • $2.0 million have government guarantees • $1.5 million guaranteed portion • Focused on streng
Slide 15: Capital Strength
CAPITAL STRENGTH Common Equity Tier 1 Total Risk Based Capital Ratio Tangible Common Equity to Tangible Assets Accumulated Other Comprehensive Income ($M) 15
Slide 16: Creating Shareholder Value
CREATING SHAREHOLDER VALUE Diluted Earnings Per Share Tangible Book Value Per Share* * See Non-GAAP Disclosure 16
Slide 17: Shareholder Dividends
SHAREHOLDER DIVIDENDS Dividend History 2Q 2026 was the 100th consecutive quarterly dividend since the holding company was formed in 2001 5% stock dividend annually Source: S&P Capital IQ Pro. Split adjusted. 17
Slide 18: Our Vision & Strategic Focus
OUR VISION & STRATEGIC FOCUS PEOPLE FIRST Enrich the associate experience Purpose BHAG (10-Year Goal) through compelling programs to To be champions and Be an employer of choice become an Employer of Choice. catalysts for our so that we can be the communities bank of choice CUSTOMER EXPERIENCE Enhan
Slide 19: Investment Highlights
INVESTMENT HIGHLIGHTS Strong, low-cost core funding base Diversified loan portfolio across commercial, agricultural and residential Focus on organic loan growth Geographic mix of urban and community markets across Kansas including the Kansas City metro Strong earnings and capital generation 19
Slide 20: Appendix: GAAP to Non-GAAP Reconciliation
APPENDIX: GAAP TO NON-GAAP RECONCILIATION 20
Slide 21: Appendix: GAAP to Non-GAAP Reconciliation
APPENDIX: GAAP TO NON-GAAP RECONCILIATION 21
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