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LINKBANK
Camp Hill, PA·FDIC Cert #14863·Charter: STATE·Est. 19341103.0·HC: LINKBANCORP INC
Total Assets
$3.1B
Q4 2025
Return on Assets
1.31%
-0.23%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.78%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.31%-0.23
ROE
11.05%-1.89
Efficiency
52.78%+0.72
Equity/Assets
0.00%+0.00
NPL Ratio
0.97%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.81%+7.72
Charge-offs
0.10%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.1 | 2.3 | 1.7 | 1.5 | 1.3 |
| ROE | 8.6 | 8.6 | 9.0 | 9.4 | 19.3 | 14.5 | 12.9 | 11.1 |
| Efficiency | 64.3 | 64.0 | 62.5 | 61.3 | 45.2 | 50.4 | 52.1 | 52.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.5 | 0.8 | 0.7 | 1.2 | 0.9 | 1.0 | 1.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 92.8 | 92.7 | 92.8 | 94.6 | 92.3 | 94.9 | 91.1 | 98.8 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.6B
Total Loans$2.5B
Total Equity$358.9M
Profitability
ROA1.31%
ROE11.05%
Efficiency Ratio52.78%
Net Income$38.7M
Risk & Asset Quality
NPL Ratio0.97%
Charge-off Rate0.10%
Loan/Deposit98.81%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans