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LINKBANCORP
LINKBANCORP (LNKB) investor relations material
LINKBANCORP Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Net income for Q4 2025 was $2.9 million ($0.08 per diluted share), down from $7.8 million ($0.21 per share) in Q3 2025, mainly due to a $5.0 million impairment on a single commercial credit tied to alleged fraud identified in January 2026.
Full-year 2025 net income reached $33.5 million ($0.90 per share), up 26.8% from $26.2 million ($0.71 per share) in 2024, with record net interest income and disciplined expense management.
Adjusted pre-tax, pre-provision net income for Q4 2025 was $11.7 million, up from $11.0 million in Q3 2025; full-year adjusted pre-tax, pre-provision net income grew 20% year-over-year to $41.8 million.
A quarterly cash dividend of $0.075 per share was declared, payable March 16, 2026.
Financial highlights
Net interest income for Q4 2025 was $27.1 million, up from $26.4 million in Q3 2025 and $25.5 million in Q4 2024; net interest margin was 3.74% for Q4 2025.
Noninterest income for Q4 2025 was $2.9 million, slightly higher than Q3 2025 and up $326,000 year-over-year.
Noninterest expense for Q4 2025 was $19.5 million, up from $18.2 million in Q3 2025, driven by incentive compensation and a $500,000 asset impairment.
Provision for credit losses in Q4 2025 was $6.6 million, with $5.0 million related to the impaired commercial relationship.
Book value per share at year-end was $8.18; tangible book value per share was $6.20, up 15.7% year-over-year.
Outlook and guidance
Management anticipates building on strong organic growth and preparing for the merger with Burke & Herbert in 2026.
Confidence in isolated fraud; recovery strategy
Drivers of adjusted pre-tax PPNR growth Q4 2025
Expected value creation from Burke & Herbert merger
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Next LINKBANCORP earnings date
Q1 202629 Apr, 2026
LINKBANCORP
Next LINKBANCORP earnings date
Q1 202629 Apr, 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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