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LINKBANCORP (LNKB) investor relations material
LINKBANCORP Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Net income for Q3 2025 was $7.84 million ($0.21 per diluted share), up $744,000 year-over-year, with annualized ROA of 1.04% and ROE of 10.33%.
Adjusted pre-tax pre-provision net income reached $11.02 million, up 12.07% sequentially.
The sale of New Jersey operations in Q1 2025 resulted in an after-tax gain of $8.7 million, boosting noninterest income.
Total assets surpassed $3.12 billion, with total deposits at $2.67 billion and total loans at $2.46 billion as of September 30, 2025.
Continued execution of a branch-lite strategy, maintaining 24 client solutions centers and targeting average deposits per center above $120 million.
Financial highlights
Net interest income reached $26.4 million, with a net interest margin of 3.75% for Q3 2025.
Noninterest income was $2.8 million, slightly down from $2.9 million in Q2 2025 but up year-over-year.
Noninterest expense was $18.2 million, with the efficiency ratio improving to 62.25%.
Book value per share increased to $8.16; tangible book value per share rose to $6.15, up 16.92% year-over-year.
Deposits increased 13.0% to $2.67 billion, with strong growth in interest-bearing and money market accounts.
Outlook and guidance
Targeting 2025 loan growth of 9%-11%, excluding the branch sale impact.
Expecting net interest margin of 3.80%-3.85% and core operating ROA of 1.05% for full year 2025.
Noninterest expense to average assets targeted at 2.50%-2.55% for 2025.
Loan growth to be self-funded by organic deposit growth, with a loan-to-deposit ratio target of 90%-95%.
Management expects continued momentum into year-end 2025, citing robust core deposit and loan growth.
Asset quality outlook given NPA increase?
NIM strategy with excess liquidity deployment?
Sustain adjusted pre-tax pre-provision net income growth?
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Next LINKBANCORP earnings date
Q4 202526 Jan, 2026
Next LINKBANCORP earnings date
Q4 202526 Jan, 2026
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Frequently asked questions
LINKBANCORP, Inc. operates as a bank holding company for LINKBANK, a Pennsylvania state-chartered bank. The company provides a range of banking products and services to individuals, families, nonprofits, and business customers. These services include deposit accounts like savings, checking, and money market accounts, as well as certificates of deposit. LINKBANCORP also offers various lending products, such as commercial real estate loans, residential mortgages, home equity lines of credit, consumer loans, and municipal financing. Additionally, the company provides online and mobile banking services, direct and remote deposit options, and cash management solutions. The company is headquartered in Camp Hill, Pennsylvania, and its shares are listed on the NASDAQ.
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