L
LINKBANCORP, Inc.
Period
FY 2025
Revenue
—
Net Income
$33.51M
Total Assets
$3.07B
Equity
$306.43M
Shares Out
37.47M
Op. Cash Flow
$25.27M
Business
LINKBANCORP, Inc. is a Pennsylvania-based bank holding company that owns LINKBANK, a full-service commercial bank. The Bank provides personal and business lending, deposit services, and cash management to individuals, families, nonprofits, and businesses across Pennsylvania, Maryland, Delaware, and Virginia through branch locations and digital channels. Operating as a single reportable segment, LINKBANCORP generates revenue primarily from net interest income on its commercial real estate, commercial business, construction, residential, and consumer loan portfolios, supplemented by deposit gathering and treasury management services.
Summary from 10-K filed 2026-03-12
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans receivable, including fees | 150 | 146 | 59 | 36 | 16 | |
| Taxable | 9 | 6 | 3 | 2 | 873,000 | |
| Exempt from federal income tax | 1 | 1 | 1 | 1 | 1 | |
| Other | 5 | 5 | 2 | 533,000 | 447,000 | |
| Total interest and dividend income | 165 | 159 | 65 | 40 | 18 | |
| Deposits | 52 | 51 | 23 | 5 | 2 | |
| Other borrowings | 4 | 4 | 2 | 441,000 | 50,000 | |
| Subordinated debt | 4 | 4 | 2 | 2 | 249,000 | |
| Total interest expense | 60 | 59 | 26 | — | — | |
| NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES | 104 | 100 | 39 | 33 | 16 | |
| Provision for credit losses | 8 | 257,000 | 9 | 1 | 648,000 | |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 96 | 100 | 29 | 32 | 15 | |
| Service charges on deposit accounts | 4 | 4 | 978,000 | 832,000 | 733,000 | |
| Bank-owned life insurance | 2 | 2 | 738,000 | 497,000 | 253,000 | |
| Net realized gains on the sales of debt securities | 0 | 4,000 | −2 | 13,000 | 74,000 | |
| Gain on sale of loans | 719,000 | 270,000 | 465,000 | 753,000 | 316,000 | |
| Gain on sale of branches | 11 | 0 | — | — | — | |
| Other | 4 | 3 | 1 | 862,000 | 763,000 | |
| Total noninterest income | 22 | 9 | 1 | 3 | 2 | |
| Salaries and employee benefits | 43 | 41 | 21 | 16 | 7 | |
| Occupancy | 6 | 6 | 3 | 2 | 913,000 | |
| Equipment and data processing | 8 | 7 | 4 | 3 | 1 | |
| Professional fees | 3 | 3 | 2 | 1 | 685,000 | |
| FDIC insurance and supervisory fees | 2 | 2 | 817,000 | — | — | |
| Intangible amortization | 4 | 5 | 663,000 | — | — | |
| Merger & restructuring expenses | 707,000 | 914,000 | 11 | 973,000 | 5 | |
| Advertising | 603,000 | 633,000 | 329,000 | — | — | |
| Other | 9 | 9 | 3 | 3 | 2 | |
| Total noninterest expense | 75 | 75 | 46 | 28 | 17 | |
| Income before income tax (benefit) expense | 43 | 34 | −15 | 7 | 100,000 | |
| Income tax expense | 9 | 7 | −3 | 1 | −189,000 | |
| NET INCOME | 34 | 26 | −12 | 6 | 289,000 | |
| EARNINGS PER SHARE, BASIC | 0.9 | 0.71 | −0.67 | 0.49 | 0.04 | |
| EARNINGS PER SHARE, DILUTED | 0.9 | 0.71 | −0.67 | 0.49 | 0.04 | |
| BASIC | 37 | 37 | 18 | 11 | 7 | |
| DILUTED | 37 | 37 | 18 | 11 | 7 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Noninterest-bearing cash equivalents | 15 | 14 | 13 | 4 | 9 | |
| Interest-bearing deposits with other institutions | 37 | 152 | 67 | 26 | 14 | |
| Cash and cash equivalents | 52 | 166 | 80 | 30 | 23 | |
| Securities available for sale, at fair value | 263 | 146 | 115 | 79 | 104 | |
| Securities held to maturity (Fair value of $25,211 and $30,284, respectively) | 26 | 32 | 37 | 32 | 0 | |
| Less: Allowance for credit losses - securities | −391,000 | −459,000 | −512,000 | — | — | |
| Securities held to maturity, net | 25 | 32 | 36 | 32 | — | |
| Loans receivable | 2,557 | 2,256 | 2,128 | 928 | 715 | |
| Less: Allowance for credit losses - loans | −32 | −26 | −24 | −5 | — | |
| Net loans | 2,525 | 2,229 | 2,105 | — | — | |
| Investments in restricted bank stock | 8 | 5 | 4 | 3 | 3 | |
| Premises and equipment, net | 16 | 18 | 20 | 7 | 5 | |
| Right-to-Use Asset - Premises | 15 | 15 | 15 | 10 | — | |
| Bank-owned life insurance | 54 | 52 | 49 | 19 | 19 | |
| Goodwill | 59 | 59 | 57 | 36 | 36 | |
| Other intangible assets, net | 15 | 21 | 26 | 1 | — | |
| Deferred tax asset | 17 | 19 | 24 | 6 | 4 | |
| Assets held for sale | 0 | 94 | 115 | — | — | |
| Accrued interest receivable and other assets | 22 | 23 | 22 | 12 | 5 | |
| TOTAL ASSETS | 3,071 | 2,879 | 2,669 | 1,164 | 933 | |
| Total deposits | 2,555 | 2,361 | 2,199 | 947 | 772 | |
| Long-term borrowings | 40 | 40 | — | — | — | |
| Short-term borrowings | 75 | 10 | 10 | 21 | — | |
| Note payable | 0 | 565,000 | 590,000 | — | — | |
| Subordinated debt | 62 | 62 | 61 | 40 | 21 | |
| Lease liabilities | 16 | 16 | 16 | 10 | — | |
| Allowance for credit losses - unfunded commitments | 3 | 2 | 2 | 54,000 | — | |
| Liabilities held for sale | 0 | 94 | 100 | — | — | |
| Accrued interest payable and other liabilities | 14 | 14 | 14 | 7 | 6 | |
| TOTAL LIABILITIES | 2,764 | 2,599 | 2,404 | 1,025 | 823 | |
| COMMITMENTS AND CONTINGENT LIABILITIES (Note 1, 6, and 16) | — | — | — | — | — | |
| Preferred stock (At December 31, 2025 and December 31, 2024: no par value; 5,000,000 shares authorized; no shares issued and outstanding.) | — | — | — | — | — | |
| Common stock (At December 31, 2025 and December 31, 2024: $0.01 par value; 50,000,000 shares authorized; 37,457,914 and 37,370,917 shares issued and outstanding, respectively.) | 370,000 | 370,000 | 369,000 | 149,000 | 99,000 | |
| Surplus | 266 | 264 | 263 | 118 | 83 | |
| Retained earnings | 42 | 20 | 5 | 27 | 25 | |
| Accumulated other comprehensive loss | −2 | −5 | −3 | −6 | 2 | |
| TOTAL SHAREHOLDERS' EQUITY | 306 | 280 | 266 | 139 | 110 | |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 3,071 | 2,879 | 2,669 | 1,164 | 933 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation | 2 | 2 | 1 | 850,000 | 355,000 | |
| Accretion of discounts, net | −10 | −12 | −204,000 | −2 | 1 | |
| Origination of loans to be sold | −22 | −10 | −4 | −9 | −12 | |
| Proceeds from loan sales | 23 | 10 | 5 | 10 | 13 | |
| Share-based and deferred compensation | 2 | 2 | 1 | 656,000 | 292,000 | |
| Gain on sale of debt securities, available for sale | 0 | −4,000 | 2 | −13,000 | −74,000 | |
| Change in accrued interest receivable and other assets | −1 | 6 | −4 | −4 | −165,000 | |
| Change in accrued interest payable and other liabilities | 281,000 | −2 | 2 | −175,000 | 1 | |
| Other, net | −477,000 | −136,000 | — | — | — | |
| Net cash provided by operating activities | 25 | 25 | −10,000 | 2 | 5 | |
| Proceeds from sales | 0 | 2 | 91 | 513,000 | 11 | |
| Proceeds from calls and maturities | 3 | 10 | — | 1 | 3 | |
| Proceeds from principal repayments | 22 | 13 | 8 | 12 | 22 | |
| Purchases | −138 | −57 | −10 | — | −14 | |
| Proceeds from principal repayments | 6 | 5 | 3 | 3 | — | |
| Purchases | 0 | −250,000 | −11 | −34 | — | |
| Purchase of restricted investment in bank stocks | −12 | −17 | −16 | −8 | −536,000 | |
| Redemption of restricted investment in bank stocks | 10 | 15 | 22 | 7 | 1 | |
| Increase in loans, net | −298 | −91 | −66 | −206 | −66 | |
| Purchase of bank-owned life insurance | 0 | −2 | −10 | — | −5 | |
| Payment of death benefit under bank owned life insurance | 143,000 | 0 | — | — | — | |
| Cash paid to buy-out minority interest | 0 | −483,000 | — | — | — | |
| Proceeds from disposal of premises and equipment | 1 | 3 | — | — | 131,000 | |
| Purchase of premises and equipment | −1 | −3 | −1 | −2 | −260,000 | |
| Proceeds from sale of branches, net | 26 | 0 | — | — | — | |
| Net cash provided by (used in) investing activities | −380 | −122 | 59 | −223 | −5 | |
| Increase in deposits, net | 187 | 153 | 52 | 175 | 5 | |
| Change in short-term borrowings, net | 65 | 0 | −66 | 1 | — | |
| Proceeds from long-term borrowings | 0 | 40 | 0 | 20 | — | |
| Issuance of shares from exercise of stock options | 79,000 | 14,000 | 150,000 | 120,000 | 120,000 | |
| Dividends paid | −11 | −11 | −5 | −3 | −1 | |
| Net proceeds from issuance of common stock | 209,000 | 152,000 | 10 | 35 | — | |
| Net cash provided by (used in) financing activities | 241 | 182 | −8 | 228 | −10 | |
| (Decrease) increase in cash and cash equivalents | −114 | 86 | 50 | 7 | −11 | |
| Interest | 60 | 58 | 28 | 7 | 3 | |
| Federal income taxes | 12 | 9 | — | — | — | |
| State income taxes | 1 | 1 | — | — | — | |
| Reclassification of New Jersey branch loans from portfolio loans to assets held-for-sale, net | 0 | −22 | — | — | — | |
| Reclassification of New Jersey branch assets to assets held-for-sale, net | 0 | 175,000 | — | — | — | |
| Reclassification of New Jersey branch deposits to liabilities held-for-sale, net | 0 | 6 | — | — | — | |
| Reclassification of New Jersey branch liabilities to liabilities held-for-sale, net | 0 | −124,000 | — | — | — |
Filings
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Frequently asked questions
What is LINKBANCORP, Inc.'s CIK number?
LINKBANCORP, Inc.'s SEC CIK number is 0001756701 (1756701). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find LINKBANCORP, Inc.'s SEC filings?
All of LINKBANCORP, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did LINKBANCORP, Inc. last report earnings?
LINKBANCORP, Inc. (LNKB) most recently filed an earnings 8-K with the SEC on Jan 26, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-022725). This is LINKBANCORP, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is LINKBANCORP, Inc.'s most recent earnings 8-K?
LINKBANCORP, Inc.'s latest earnings 8-K (Item 2.02) was filed Jan 26, 2026 under accession 0001193125-26-022725. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View LINKBANCORP, Inc.'s latest earnings 8-K →
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