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LINKBANCORP (LNKB) investor relations material
LINKBANCORP Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $7.4 million, with annualized ROA of 1.05% and ROE of 10.04%; diluted EPS was $0.20.
Sale of New Jersey operations completed, generating an after-tax gain of $8.7 million and reducing commercial real estate concentration.
Total assets reached $2.89 billion, with total loans at $2.36 billion and total deposits at $2.46 billion as of June 30, 2025.
Board declared a quarterly dividend of $0.075 per share, with $5.6 million paid in dividends in the first half of 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 was $24.9 million, with net interest margin at 3.80% for Q2 2025, down from 3.94% in Q1 2025.
Noninterest income was $2.9 million, down from $13.3 million in Q1 2025 due to a one-time branch sale gain, but up $1.1 million year-over-year.
Noninterest expense decreased to $18.1 million from $19.7 million sequentially; adjusted efficiency ratio was 64.79%.
Total deposits increased $22.7 million quarter-over-quarter, with year-to-date deposit growth of 7.34% annualized.
Total loans grew $82.7 million (14.58% annualized) over the quarter; year-to-date loan growth excluding branch sale was 9.19%.
Outlook and guidance
Targeting 2025 loan growth of 5%-8% (excluding branch sale impact) and organic deposit growth to self-fund lending.
Net interest margin expected at 3.90%-3.95% for full year 2025.
Targeting 1.10% core operating ROA and noninterest expense to average assets of 2.50%-2.55% for 2025.
Management remains focused on improving operating efficiency and expanding noninterest income.
Effective tax rate assumption of 22%.
Why did purchase accounting accretion decline?
Explain the decrease in non-performing assets.
What drove the increase in loan loss provision?
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Next LINKBANCORP earnings date
Q3 202527 Oct, 2025
Next LINKBANCORP earnings date
Q3 202527 Oct, 2025
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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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