LINKBANCORP Inc (NASDAQ: LNKB) is a community banking company that operates through its subsidiary LINKBANK, accepting deposits and originating loans primarily in Pennsylvania. The company earns revenue through net interest income, the spread between interest earned on loans and investments and interest paid on deposits and borrowings, supplemented by noninterest income from service charges, bank-owned life insurance, and gains on loan and branch sales. As of December 31, 2025, total deposits were $2.55 billion and average total loans were $2.39 billion for the year ended December 31, 2025. Commercial real estate is a dominant credit concentration, with non-owner-occupied commercial real estate loans representing 369.85% of risk-based capital as of December 31, 2025. On March 31, 2025, LINKBANK sold its three New Jersey branch locations, including $105.0 million in loans and $87.1 million in deposits, to American Heritage Federal Credit Union. On December 18, 2025, LINKBANCORP entered into a merger agreement with Burke and Herbert Financial Services Corp. (BHRB), under which LINKBANCORP will merge into BHRB.

Revenue model

Net interest income from loans receivable and investment securities, funded by interest-bearing and noninterest-bearing deposits and borrowings. Noninterest income from service charges on deposit accounts, bank-owned life insurance, gain on sale of loans, and gain on sale of branches. Average total interest-earning assets yielded 6.02% for the year ended December 31, 2025.

Products and services

Commercial real estate loans, construction and land loans, other loan products, demand deposit accounts (interest-bearing and noninterest-bearing), money market and savings accounts, time deposits, brokered time deposits, and bank-owned life insurance.

Customers and end markets

Commercial real estate borrowers, business and retail deposit customers primarily in Pennsylvania. Non-owner-occupied commercial real estate is the dominant lending end market, representing 369.85% of risk-based capital as of December 31, 2025.

Value-chain role

Community bank, acting as deposit-gatherer and direct lender. Originates and holds loans on balance sheet, with some loan sales generating noninterest income. Sold New Jersey operations to American Heritage Federal Credit Union in March 2025.

Geographic exposure

Primarily Pennsylvania, with headquarters at Camp Hill, PA. New Jersey operations were divested on March 31, 2025 via sale to American Heritage Federal Credit Union.

Source: SEC 10-K, filed 2026-03-12

Industry: State Commercial Banks Peers: FIRST RELIANCE BANCSHARES INC Juniata Valley Financial Corp Peoples Financial Corp PNC Financial Services Group Inc POTOMAC BANCSHARES INC