Revenue: As of FY2025 Q4, the actual value is USD 46.02 M.

EPS: As of FY2025 Q4, the actual value is USD 0.08, missing the estimate of USD 0.23.

EBIT: As of FY2025 Q4, the actual value is USD -23.21 M.

Dividend Declaration

LINKBANCORP, Inc. declared a quarterly cash dividend of $0.075 per share on January 22, 2026, which is payable on March 16, 2026, to shareholders of record on February 27, 2026 . The Board of Directors also declared a quarterly cash dividend of $0.075 per share of common stock .

Net Income

Net income for LINKBANCORP, Inc. was $2.9 million for the quarter ended December 31, 2025, a decrease from $7.8 million for the quarter ended September 30, 2025 . For the full year ended December 31, 2025, net income reached $33.5 million, marking a 26.8% increase from $26.2 million in the prior year .

Adjusted Pre-Tax, Pre-Provision Net Income

Excluding merger-related and other non-core expenses, adjusted pre-tax, pre-provision net income was $11.7 million for the fourth quarter of 2025, an increase from $11.0 million in the third quarter of 2025 . For the full year 2025, this metric grew 20% year over year to $41.8 million, up from $34.8 million in 2024 .

Net Interest Income

Net interest income before the provision for credit losses was $27.1 million for the fourth quarter of 2025, compared to $26.4 million in the third quarter of 2025 and $25.5 million for the fourth quarter of 2024 . The full year 2025 net interest income was $104.290 million, an increase from $99.894 million in 2024 .

Net Interest Margin

The net interest margin was 3.74% for the fourth quarter of 2025, a slight decrease from 3.75% in the third quarter of 2025 and 3.85% in the fourth quarter of 2024 . The average loan yield decreased from 6.26% in Q3 2025 to 6.22% in Q4 2025, while the cost of funds decreased from 2.34% to 2.32% over the same period .

Noninterest Income

Noninterest income increased slightly quarter-over-quarter to $2.9 million for the fourth quarter of 2025, up from $2.8 million in the third quarter of 2025 and $2.6 million in the fourth quarter of 2024 . For the full year, noninterest income was $21.915 million, significantly higher than $8.862 million in 2024, partly due to an $11.093 million gain on the sale of branches in 2025 .

Noninterest Expense

Noninterest expense for the fourth quarter of 2025 was $19.5 million, compared to $18.2 million for the third quarter of 2025 and $18.3 million for the fourth quarter of 2024, primarily due to increased incentive compensation accrual and a $500 thousand asset impairment . For the full year 2025, noninterest expense totaled $75.433 million, compared to $74.904 million in 2024 .

Income Tax Expense

Income tax expense was $1.0 million for the fourth quarter of 2025, reflecting an effective tax rate of 26.1%, compared to $2.2 million (21.7% effective tax rate) in Q3 2025 and $2.1 million (21.9% effective tax rate) in Q4 2024 . For the full year 2025, income tax expense was $9.092 million, up from $7.386 million in 2024 .

Total Assets

Total assets were $3.07 billion at December 31, 2025, a slight decrease from $3.12 billion at September 30, 2025, but an increase from $2.88 billion at December 31, 2024 .

Total Deposits

Total deposits at December 31, 2025, were $2.55 billion, down from $2.67 billion at September 30, 2025, but up from $2.45 billion at December 31, 2024 . This represents an annual increase of $256.3 million, or 10.9%, adjusting for the Branch Sale and changes in brokered deposits . Noninterest-bearing deposits totaled $603.7 million at December 31, 2025, a decrease from $640.1 million at September 30, 2025 . Brokered deposits decreased by $40.0 million to $35.0 million at December 31, 2025 .

Total Loans

Total loans at December 31, 2025, reached $2.56 billion, an increase from $2.46 billion at September 30, 2025, and $2.35 billion at December 31, 2024 . This reflects an annualized increase of $307.1 million or 13.1% excluding the impact of the Branch Sale . Commercial loan commitments originated in Q4 2025 were $199.4 million, with funded balances of $132.7 million .

Liquidity

Total cash, cash equivalents, and securities available for sale were $314.9 million at December 31, 2025, compared to $462.1 million at September 30, 2025, and $311.7 million at December 31, 2024 . Total available sources of liquidity were $1.31 billion at December 31, 2025 .

Shareholders’ Equity and Tangible Book Value

Shareholders’ equity increased to $306.4 million at December 31, 2025, from $305.5 million at September 30, 2025 . Tangible book value per share increased to $6.20 at December 31, 2025, from $6.15 at September 30, 2025, and $5.36 at December 31, 2024, marking a 15.7% growth year over year .

Provision for Credit Losses

The Company recorded a $6.6 million provision for credit losses during the fourth quarter of 2025, with $5.0 million specifically related to a single commercial credit due to purported fraudulent activity . The remaining $1.6 million was attributed to strong loan growth . For the full year 2025, the provision for credit losses was $8.169 million, significantly higher than $257 thousand in 2024 .

Asset Quality

Non-performing assets decreased to $24.4 million (0.79% of total assets) at December 31, 2025, from $24.6 million (0.79% of total assets) at September 30, 2025 . Loans 30-89 days past due increased to $8.22 million (0.32% of total loans) at December 31, 2025, from $4.73 million (0.19% of total loans) at September 30, 2025, primarily due to the inclusion of the aforementioned Commercial Relationship . The allowance for credit losses for loans was $31.7 million, or 1.24% of total loans held for investment, at December 31, 2025, up from $25.3 million, or 1.03%, at September 30, 2025 . Net recoveries were $57 thousand in Q4 2025, compared to - $300 thousand in net charge-offs for Q3 2025 .

Capital Ratios

LINKBANK’s Total Capital Ratio and Tier 1 Capital Ratio were 12.07% and 10.94%, respectively, at December 31, 2025, exceeding regulatory minimums . The Company’s ratio of Tangible Common Equity to Tangible Assets was 7.75% at December 31, 2025 .

Outlook / Guidance

LINKBANCORP, Inc. is focused on building on strong organic growth and delivering exceptional service to clients in 2026 . The company is preparing for a successful merger with Burke & Herbert to create shareholder value . The combined organization is projected to have approximately $11.0 billion in assets upon completion of the merger .