LINKBANCORP, Inc. (NASDAQ: LNKB)

LINKBANCORP, Inc. operates as a bank holding company that owns and oversees LINKBANK, a full service commercial bank. As of December 31, 2025, the company reported total consolidated assets of approximately $3.07 billion, total loans of $2.56 billion, total deposits of $2.55 billion, and shareholders' equity of $306.4 million. The bank provides a comprehensive range of personal and business lending and deposit services to individuals, families, nonprofit organizations, and businesses. Its services are delivered through a network of client solutions centers located across Pennsylvania, Maryland, Delaware, and Virginia, complemented by digital banking platforms. LINKBANCORP focuses on community banking to build strong relationships that create value for customers, employees, communities, and shareholders.

LINKBANCORP generates revenue primarily through interest income earned on its diverse loan portfolio and fees associated with deposit services and other banking products. The company's loan portfolio includes commercial real estate loans, commercial and industrial loans, construction and land development loans, residential real estate loans, home equity loans, consumer loans, agricultural loans, and municipal loans. Revenue from deposit services stems from interest bearing and noninterest bearing demand accounts, money market and savings accounts, and various certificate of deposit offerings. Additionally, LINKBANCORP earns income from fees related to cash management, electronic banking, and other financial services provided to its customer base.

The company operates through a single segment dedicated to its banking operations.

• Banking Operations: This segment encompasses the full service commercial banking activities of LINKBANK, including the origination and servicing of personal and business loans, acceptance of deposits, provision of cash management services, and delivery of digital banking solutions. The segment serves individuals, families, nonprofit organizations, and businesses through its network of client solutions centers and online channels, emphasizing relationship based banking supported by technological convenience.

LINKBANCORP operates in a highly competitive banking market characterized by the presence of numerous large national and regional banks, as well as other financial institutions including credit unions, finance companies, and fintech firms. According to FDIC data as of June 30, 2025, there were 96 different FDIC insured institutions operating 1,102 offices within the company's market areas. The company differentiates itself through a relationship focused service model that prioritizes personal interaction and local decision-making, enhanced by modern technological conveniences such as online and mobile banking. This approach is supported by a culture of engaged employees, which the company believes leads to higher productivity, lower turnover, and greater customer loyalty. LINKBANCORP's competitive strategy centers on leveraging its community bank roots to increase market share in its core geographic regions through personalized service and local engagement.

LINKBANCORP serves a diverse customer base consisting of individuals seeking personal banking solutions, families managing household finances, nonprofit organizations requiring specialized financial services, and small and medium sized businesses needing commercial banking support. The company's customer relationships are concentrated in its primary markets of Pennsylvania, Maryland, Delaware, and Virginia, with particular focus on the communities surrounding its client solutions centers in Chester, Cumberland, Dauphin, Lancaster, Northumberland, and Schuylkill counties in Pennsylvania; Wicomico, Charles, Anne Arundel, and Worcester counties in Maryland; Sussex county in Delaware; and Spotsylvania, Fairfax counties, and the city of Fredericksburg in Virginia. LINKBANCORP emphasizes building deep, long term relationships to provide tailored financial products and advice that meet the evolving needs of its varied customer segments.