🌟 Business Profile
Landmark National Bank is an American community bank dedicated to providing diverse financial services to both individual and corporate customers. Its parent company, Landmark Bancorp, Inc., is a Nasdaq-listed bank holding company that operates in various locations in Kansas under a robust community banking model. The bank takes "customer is a friend" as its service concept and pays attention to localized services and long-term customer relationships.
📋 basic information
Full name and abbreviation
Full name: Landmark National Bank
Abbreviation: Landmark
was
founded
on April 22, 1885, originally under the name Manhattan Buildings & Savings Association, and later changed its name to Landmark National Bank。
Country
of Registration: United States
English Headquarters Address
: 701 Poyntz Avenue, Manhattan, Kansas 66502, United States
Operating Status
: Active, as of 2025, the bank continues to operate , with multiple branches.
Background
Landmark National Bank dates back to 1885 and initially served the Manhattan, Kansas area as a local savings association. After several name changes and expansions, the bank gradually grew into a community bank covering several counties in Kansas. Its parent company, Landmark Bancorp, Inc., was founded in 2001 and is listed on Nasdaq (ticker: LARK). The bank is community-oriented and focuses on personalized services, serving individuals, families, and small and medium-sized enterprises.
Registered capital As
part of a listed bank holding company, Landmark Bancorp, Inc.'s registered capital is not disclosed separately, but its total assets are approximately $1.5 billion (as of the most recent public data in 2023). The specific registered capital needs to refer to SEC documents.
Key Executive Backgrounds
Abigail (Abby) Wendel: President and Chief Executive Officer of Landmark Bancorp, Inc. since March 29, 2024. Wendel has extensive banking experience, having previously served as President of the Consumer Division at UMB Bank, where he focused on retail banking and customer experience.
Michael E. Scheopner: Former President and CEO, transitioned to a non-executive role after 2024, will retire at the end of 2024. Under his leadership, the bank's assets and branches grew significantly.
Mark A. Herpich: Chief Financial Officer, responsible for financial strategy and compliance, with many years of experience in banking financial management.
Consulting team The
specific external consultant team is not disclosed in the public information. Banks rely on internal management teams and professional services such as legal and auditing (such as external accounting firms) to provide consulting support.
Enterprise Structure
Landmark National Bank, as a wholly owned subsidiary of Landmark Bancorp, Inc., adopts a flat management structure. The bank has several divisions, including retail banking, commercial banking, loan services, wealth management and operational support. Branches are located in 24 cities in Kansas, with a total of 31 locations.
Shareholding structure
Landmark Bancorp, Inc. is a publicly traded company with shareholding dispersed among institutional investors, individual shareholders, and internal executives. There is no single controlling shareholder, and the specific shareholding distribution can be found in the 13F filing filed by the SEC. As of 2023, institutional investors hold about 40% of the shares.
Company Nature
Landmark National Bank is a private commercial bank with a public company and a financial services industry.
🏦 enterprise classification
Landmark National Bank is a community bank that focuses on localized financial services, mainly serving individuals, households and small and medium-sized enterprises. According to the U.S. financial system, it is a national bank and is federally regulated.
📊 market classification
Geographic Market: Mainly serving the eastern, central, southeastern and southwestern regions of Kansas, USA, covering 24 cities.
Customer segmentation: retail customers (individuals and households), commercial customers (small and medium-sized enterprises, agricultural enterprises), municipal customers.
Industry positioning: Community financial services, emphasizing localization and personalization.
💼 service
Landmark National Bank offers the following key services:
Personal Banking: savings accounts, checking accounts, term deposits, personal loans (car loans, home improvement loans), credit cards, online banking, and mobile banking.
Commercial banks: commercial loans, operating accounts, cash management services, agricultural loans, municipal loans.
Mortgages: one to four residential real estate loans, construction loans, land loans.
Wealth management: investment services, insurance products, retirement planning.
Other services: mobile deposits, ATM services, phone banking.
🛡️ Regulatory Information
The
regulatory authority
Landmark National Bank is regulated by the following authorities:
Office of the Comptroller of the Currency Currency, OCC): As a national bank, it is subject to the primary regulation of the OCC.
Federal Deposit Insurance Corporation (FDIC): Bank deposits are FDIC-insured with a maximum insured amount of $250,000 per depositor.
Federal Reserve System: The parent company, Landmark Bancorp, Inc., acts as a bank holding company and is regulated by the Federal Reserve.
Regulatory License Number
FDIC Certificate Number: 5826
OCC Charter Number: Undisclosed specific number, but as a national bank, it owns the OCC Bank charter issued.
Regulatory effective time
OCC regulation has been in effect since the bank was converted into National Bank, and the exact time is not clearly disclosed due to historical name changes, but it has continued to be compliant since at least 2001 when the parent company was founded.
> FDIC insurance has been in effect since the establishment of the bank, specifically in 1934 (after the establishment of FDIC).
Compliance Record
With no track record of significant regulatory penalties, the bank maintains a 5-star rating from Bauer Financial, indicating its financial soundness and compliance.
📈 trading products
Landmark National Bank does not offer securities trading or complex financial derivatives, and its main financial products include:
Deposit products: checking accounts, savings accounts, money market accounts, fixed deposits (CDs).
Loan products: residential mortgages, commercial real estate loans, agricultural loans, consumer loans (cars, boats, etc.), Paycheck Protection Program loans (PPP).
Credit card: Visa or Mastercard branded credit card with a rewards program.
Investment Products: Offers insurance and investment-related securities through the Wealth Management segment.
💻 trading software
The online banking platform
offers browser-based online banking and mobile applications that support account management, bill payments, transfers, and mobile deposits.
The mobile app is available for download on iOS and Android platforms, integrating credit score assessment and budgeting tools.
Technical Support
The platform is powered by Fiserv Solutions, Inc., ensuring security and user experience.
Supports live trading and 24/7 account access.
Limitations
The trading software primarily serves deposit and loan management and does not support stock trading or forex trading.
💸 Deposit and withdrawal methods
Deposit method
Counter deposit: through 31 branches.
Mobile Deposits: Scan checks for deposits through the mobile app.
ATM Deposits: Supports some ATM deposit functions.
Direct Deposit: Salary or other regular income can be deposited directly into the account.
Wire Transfer: Supports both domestic and international wire transfers.
Withdrawal Methods
ATM withdrawals: ATMs through Landmark and associated networks.
Online transfer: Support inter-account transfer or external account transfer.
Check: Clients can write a check to withdraw funds.
> Counter Withdrawals: Branches offer cash and check withdrawals.
Fees Some
services, such as wire transfers or ATM withdrawals outside the network, may charge small fees, and the specific rates refer to the bank's official website.
📞 Customer support
Support
Channels
Phone: 24/7 phone banking service is available, and the customer support hotline is 1-800-618-8577.
Email: Submit a question through the official website contact form.
Live Chat: Live chat support is available during certain periods.
Branches: 31 outlets providing face-to-face services.
Response Time
Phone and online support are usually instant during business hours, and non-working hours are handled through a voice system.
In-person service requires an appointment or a direct visit to the outlet.
Language Support
is primarily available in English, with Spanish support available in some regions.
🔍 Core services and services
Retail banking
offers savings, checking, loans, and credit card services to individuals and households, emphasizing a convenient digital banking experience.
Commercial banks
provide customized loans and cash management solutions to SMEs, agricultural businesses, and municipalities, supporting local economic development.
Mortgage loans
focus on residential and commercial real estate loans with flexible offerings for first-time homebuyers and business owners.
Wealth management
helps clients plan for their financial future through insurance and investment products, focusing on long-term relationships.
Community Engagement
The bank practices the concept of "helping people" through volunteer activities and cooperation with non-profit organizations.
🖥️ technical infrastructure
Core Banking System
Employs core banking solutions provided by Fiserv, ensuring efficient and secure transaction processing.
Cybersecurity
Conduct regular security audits to comply with FDIC and OCC cybersecurity standards.
> Protect customer data with multi-factor authentication (MFA) and encryption.
Digital platform
Mobile and online banking platforms support real-time transactions, bill payments, and credit monitoring.
Integrate with third-party tools like budget management and credit score evaluation.
Infrastructure Investments
Banks continue to invest in technology upgrades to enhance customer experience and operational efficiency.
⚖️ Compliance and risk control system
Compliance Framework
Following the Community Reinvestment Act (CRA), supports the financial needs of low-income communities.
Comply with Anti-Money Laundering Act (AML) and Know Your Customer (KYC) requirements.
Regularly submit compliance reports to the OCC and FDIC.
Risk Management
Credit Risk: Managed through a rigorous loan approval process and a diversified loan portfolio.
Market risk: The portfolio is mainly fixed income securities with low volatility.
Operational Risk: Reduce system and human error through internal audits and external reviews.
Liquidity risk: Maintain adequate cash reserves and deposit insurance.
Internal Control
Establish an independent audit committee to oversee financial reporting and compliance.
Regularly train employees to ensure they are familiar with the latest regulatory requirements.
🌍 Market Positioning and Competitive Advantage
Market Positioning
Landmark National Bank is positioned as a leading community bank in Kansas, serving local residents and businesses, emphasizing personalized service and community connections.
Competitive
Advantage
Localization Services: Deeply rooted in Kansas and understand the local economy and customer needs.
Customer relationship: With the concept of "customer is a friend", we focus on long-term trust.
Financial Solidity: Bauer Financial has a 5-star rating for high asset quality.
Flexible Products: Customized loans for SMEs and agricultural customers.
Digital innovation: Deliver a modern online and mobile banking experience to compete with large banks.
Competitors
Key competitors include other community banks (such as UMB Bank, Commerce Bank) and national banks (such as Bank of America) in Kansas locations.
🤝 Customer Support & Empowerment
Personalized Support
Assign customers a dedicated banking advisor to provide one-on-one consultations.
Provide financial education resources such as budget planning and credit management tools.
SME Empowerment
Support local businesses with flexible business lending and cash management services.
Provide agricultural loans to help farmers cope with seasonal funding needs.
Digital Empowerment
Mobile banking app integrates budgeting and credit monitoring tools to help customers manage their finances.
Online banking supports 24/7 account management for added convenience.
Community Support
Regular financial literacy talks are held to enhance the financial literacy of customers and the community.
🌱 Social Responsibility & ESG
Environmental
Invest in green loan projects, such as energy efficiency improvement loans.
Reduce energy consumption in branches and promote electronic statements.
Social
Actively participate in community volunteer activities to support non-profit organizations and local economic development.
Promoting gender equality with more than 40 women in leadership roles, including the new CEO.
Governance
a transparent corporate governance structure that regularly discloses financial and operational information to shareholders.
Strictly comply with regulatory requirements and have no record of major violations.
Specific initiatives
Named the best credit union in Milwaukee in 2023, reflecting its community impact.
Supporting the economic development of the Iola, Kansas area, winning the "Business of the Year" award.
🤲 Strategic Partnership Ecosystem
Technology Partners
collaborates with Fiserv to provide core banking systems and digital banking solutions.
Credit card services are available using Visa and Mastercard.
Community Partners
partners with several nonprofit organizations in Kansas for charitable and educational programs.
Support local chambers of commerce and economic development agencies to promote regional growth.
Industry Alliances
Participate in industry organizations such as the American Bankers Association (ABA) to share best practices.
Join the FDIC and OCC regulatory networks to ensure compliance.
Real Estate Collaborations
Partnering with local developers to support commercial and residential projects like mixed-use projects at Lee's Summit.
💰 Financial Health
Asset Size As
of 2023, Landmark Bancorp, Inc. has total assets of approximately $1.5 billion, and its loan portfolio is dominated by real estate and commercial loans.
Profitability
Net interest income is stable, with net income of approximately $10 million in 2022.
The return on equity (ROE) is about 8%, which is in line with the average community bank.
Capital Adequacy
Ratio
The Tier 1 Capital Ratio exceeds regulatory requirements at approximately 12%.
Bauer Financial has a 5-star rating, indicating financial stability.
Liquidity
Extensive deposit base and sufficient liquidity to meet loan and operational needs.
FDIC insurance enhances customer confidence.
Risk exposure
The non-performing loan ratio is below the industry average of about 0.5%.
The investment portfolio is dominated by low-risk securities, reducing the impact of market volatility.
🚀 Future Roadmap
Expansion Plans
Further expansion of branches in Kansas and other neighboring states, particularly in high-growth markets such as Lawrence and Jonkerson City.
Continued investment in new locations, such as the Commercial Lending Office in the Pershing Building in Kansas City.
Technology upgrades
Enhance digital banking capabilities and introduce more personalized financial tools such as advanced budget management and investment tracking.
Enhance your cybersecurity capabilities to combat growing cyber threats.
Product Innovation
Develop more green financial products to support sustainable development and community projects.
Expand SME and agricultural loan products to meet specific industry needs.
Community Engagement
Deepen collaboration with nonprofits to expand financial education and community development programs.
Continuously improve ESG performance and strive for higher social impact ratings.
summary
As a long-established community bank, Landmark National Bank occupies a unique position in the Kansas financial market with its solid financial performance, deep local roots, and modern service model. Its customer-centric service philosophy, strict compliance system, and commitment to the community keep it ahead of the competition. In the future, the bank will continue to consolidate its position as a leading bank in the region through technological innovation and market expansion.
