Landmark Bancorp Inc. · NASDAQ:LARK
Landmark Bancorp — Q3 2026 Earnings Presentation
20 slides from Landmark Bancorp's earnings presentation, Nov 5, 2026
Slide 1: Landmark Bancorp 3rd Quarter Investor Presentation November 2026
Exhibit 99.1 r ts . AALANDMARK AE Cams BANCORP, INC. 3'¢ Quarter Investor Presentation November 2026 y A
Slide 2: Forward Looking Statements
FORWARD LOOKING STATEMENTS CONOITION, RESULTS OF OPERATIONS, PLANS, OBJECTIVES, FUTURE PERFORMANCE AND BUSINESS OF LANDMARK BANCORP, INC. "LANDMARK" OR “THE COMPANY") FORWARO-LOOKING STATEMENTS, WHICH MAY BE BASED UPON BEUEFS, EXPECTATIONS AND ASSUMPTIONS OF OUR MANAGEMENT AND ON MEORMATION CURRENTL
Slide 3: Landmark Bancorp, Inc.
LANDMARK BANCORP, INC. NASDAQ: LARK $1.68 1.36% $0.89 Founded 1885 Serving Kansas and Kansas City: Headquarters: + 28 full-service branches Assets ROAA Q3 2026 + Manhattan, Kansas + 1LPO in KCMO Diluted EPS Executive/Admin Office: + Serving 23 communities + Overland Park, Kansas (KC) + 279 Associate
Slide 4: 3Q 2026 Financial Highlights
3Q 2026 FINANCIAL HIGHLIGHTS Protttabitty Return on Average Assets 13635 135% 1.21% Return on Average Equity 13.08% 13.23% 13.00% Netinterest Margin 435%] 420% 3.83% Total Cost of Deposits 1.29%) 1.30% 159% Etiiency Ratio * 63.0%) 61.7% 61.2% Income tems | Netinterest Income 1564) 15.08 1409 Total R
Slide 5: Growth History
GROWTH HISTORY ==> Leverage de novo and LPO strategy | pcauistion of Caene dank, NA | Joton County (KC MSA) / = oe [ pcationof weet tank | | Fron County f | losing Date: Nov 2013 ‘at Close: $97M. g | Closing Date: Apr 2012 | Loans ot Close: $15M. 2010" 2011Y 2012" 2018 20157 > Historical growth driv
Slide 6: Communities We Serve
COMMUNITIES WE SERVE ‘Manhattan (2), Auburn, Dodge City (2), Fort Scott (2), Garden City, Great Bend (2), Hoisington, lola, Junction City, La Crosse, Lawrence (2), Lenexa, Louisburg, Mound City, Orage City, Osawatomie, Overland Park, Paola, Pittsburg, Prairie Village, Topeka, Wamego cand Wellsville,
Slide 7: Profitability Overview
PROFITABILITY OVERVIEW 1.35% 1.36% 1.29% 117% 120% 117% 0.83% 2ozay 2025 932025 942025 Q12025 927028 932026 Total Revenue ($M) $708 $60.5 sie2 $187 $188 $19.2 $192 2ozy 20257 932025 942025 Q12026 927026 932026 Return on Average Equity 12.7% 13.0% trom = 32% 13.1% 11.9% 10.0% 2ozsy 20257 932025 94202
Slide 8: Net Interest Margin
NET INTEREST MARGIN Simon _ Velbon mings Aesls —=ContolBLisbliies -O-Netineeet Maren $15.0 $18.1 sis . aes 4.24% 4.20% 4.35% $144 eC‘ -_— 2.26% 2.05% 201% 2.03% 932025 a Sas 922026 aaa 932025 42025, 12026 22026 932026 Net Interest Income (Annually) some $55.7 + Net interest income expansion driven b
Slide 9: Non-Interest Income
NON-INTEREST INCOME oO sao $3.90 $2.76 L ' 32025 982025 12026 22028 32026 Mortgage Banking GainsonSalesot Loans 932025 942025, 912026 922028 932026 Adjusted Non-Interest Income / Adj Total Revenue * &—e—@—_©—@ 032025, 042025, 012026 022026 032026 Non-Interest Income Detail ‘Sino 0 oA Foes and sence
Slide 10: Securities Portfolio
SECURITIES PORTFOLIO o Available For Sale Securities Yield on Investment Securities (Ft=) Agency MBS Securities 41% 12% S ‘S) Municipal tax exempt) Municipal 20% (taxable) 2% 932025 942025, 912026 922026 932026 @ Securities as a % of Assets + Projected twelve-month cash flow at a rate of < 3.0% + $3
Slide 11: Diversified Loan Portfolio
DIVERSIFIED LOAN PORTFOLIO Loan Composition poten aes 7 consumer ‘tani ‘sot as 2025 | Q22026 Total EC CTY CTE CTE OW} OO @—© 932025, 942025 912026 922026, 932028 + 36% of total loans are Commercial and Owner Occupied commercial real estate + Kansas City area (MSA) loans total ~$450 million! 7 A
Slide 12: Attractive Core Deposit Base
ATTRACTIVE CORE DEPOSIT BASE ~OrTotal Cost of Deposits -O-Costof interest Bearing Deposits 2.10% Non imarstboang 2.06% on Monnymaatont 1.90% checrg 192% sei Deposits a fen $1.25 1.50% 1.2 ee ae 1.20% 1.20% Clem es cams SCS Deposi jon Trend nite + Retail/commercial customer deposits increased on a li
Slide 13: Asset Quality
ASSET QUALITY 1.25% 120% aie% 1.19% 1.12% 1.12% 0.90% 1.03% 0.39% | ~ 2022Y 2023" 2028v 2025v 932028, 2022Y 2023" 2o28v 2025 932028, + Net charge-offs totaled $14,000 forthe third quarter er 0.019% of average loans (annualized) + Increased ACL coverage of loans and nonperforming loans * Non-accrual
Slide 14: Capital Strength
CAPITAL STRENGTH $160.6 $160.3 8.03% 8.09% $136.2 fee soon 6.58% sud i ; i 2022¥ 2023 2028v 20257 932028 2022Y 2020Y 2028y 2025" 932028, Accumulated Other Comprehensive Income/(Loss) (sm) + Well capitalized in all regulatory capital ratios | | June 30, 2026 Capital Ratios: sal = Common Equity Tier 1
Slide 15: Creating Shareholder Value
CREATING SHAREHOLDER VALUE le Book Value Per Share * $21.76 $20.79 sig96 $20.79 $20.89 $20.68 }——__ $16.70 $0.88 $0.89 2o26y 20287 932025 42025 12026 Q22028 932026 2026Y 20287 932025 42025 Q12026 22026 932028 $0.90 sors 78 101st consecutive quarterly cash dividend since | wos the holding company was
Slide 16: Our Vision & Strategic Focus
OUR VISION & STRATEGIC FOCUS Purpose BHAG (10-Year Goal) To be champions and Be an employer of choice catalysts for our so that we can be the communities bank of choice Core Values & Beliefs We believe in treating each other with dignity and respect. We believe in holding ourselves to the highest et
Slide 17: 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 NE
Slide 18: Appendix: GAAP to Non-GAAP Reconciliation
APPENDIX: GAAP TO NON-GAAP RECONCILIATION As of or for the ‘As of or for the Year Ended, ‘Three Months Ended, December 31, December 31, September 30, June 30, March 31, December 31, September 30, (Dollars in thousands) 2024 2023 2026 2026 2026 2025 2025 Efficiency Ratio Non-GAAP financial ratio reco
Slide 19: Appendix: GAAP to Non-GAAP Reconciliation
APPENDIX: GAAP TO NON-GAAP RECONCILIATION As of September 30, June 30, March 31, December 31, September 30, December 31, December 31, (Dollars in thousands, except per share amounts) ‘Tangible Book Value per Share Non-GAAP financial ratio reconciliation: Total stockholders’ equity Less: goodwill and
Slide 20: Landmark Bancorp, Inc.
JALANDMARK aes BANCORP, INC.