# EDGAR Filing Document

**Accession Number:** 0001756701
**File Stem:** 0001193125-26-022725
**Filing Date:** 2026-1
**Character Count:** 97130
**Document Hash:** 2f62611031a383bc11f3a6d995b74deb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-022725.hdr.sgml**: 20260126

**ACCESSION NUMBER**: 0001193125-26-022725

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20260122

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260126

**DATE AS OF CHANGE**: 20260126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** LINKBANCORP, Inc.
- **CENTRAL INDEX KEY:** 0001756701
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 825130531
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41505
- **FILM NUMBER:** 26561076

**BUSINESS ADDRESS:**
- **STREET 1:** 1250 CAMP HILL BYPASS
- **STREET 2:** SUITE 202
- **CITY:** CAMP HILL
- **STATE:** PA
- **ZIP:** 17011
- **BUSINESS PHONE:** 7177787243

**MAIL ADDRESS:**
- **STREET 1:** 1250 CAMP HILL BYPASS
- **STREET 2:** SUITE 202
- **CITY:** CAMP HILL
- **STATE:** PA
- **ZIP:** 17011

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** January 22, 2026<br>

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LINKBANCORP, Inc.

**(Exact name of Registrant as Specified in Its Charter)**

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---

| | | |
|:---|:---|:---|
| Pennsylvania | 001-41505 | 82-5130531 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 1250 Camp Hill Bypass, Suite 202 |  |  |
| Camp Hill**,** Pennsylvania |  | 17011 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

---

**Registrant's Telephone Number, Including Area Code:** 855 569-2265<br>

Not Applicable

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☒Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | |
|:---|:---|
| **<br>Title of each class** | **<br>Name of each exchange on which registered** |
| Common Stock, par value $0.01<br> LNKB | The Nasdaq Stock Market LLC |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 2.02 Results of Operations and Financial Condition.
On January 26, 2026, LINKBANCORP, Inc. (the "Company") issued a press release reporting its financial results as of and for the three and twelve months ended December 31, 2025.

A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

**Item 8.01 Other Events.**

On January 22, 2026, the Board of Directors of LINKBANCORP, Inc. (the "Company") declared a quarterly cash dividend of $0.075 per share, payable on March 16, 2026 to shareholders of record at the close of business on February 27, 2026.

## Item 9.01 Financial Statements and Exhibits.

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| | |
|:---|:---|
| (a) | Financial statements of businesses acquired. None. |
| (b) | Pro forma financial information. None. |
| (c) | Shell company transactions. None. |
| (d) | Exhibits. |
|  | [<u>99.1</u>](lnkb-ex99_1.htm)&nbsp;&nbsp;&nbsp;&nbsp; Press release dated January 26, 2026 |
|  | 104 Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)  |

---

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | LINKBANCORP, INC. |
| Date: | January 26, 2026 | By:  | /s/ Carl D. Lundblad |
|  |  |  | Carl D. Lundblad<br>President |

---

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## Exhibit 99.1

![img53420396_0.gif](img53420396_0.gif)

**<u>Exhibit 99.1</u>**

**FOR IMMEDIATE RELEASE** 

Contact:

Nick West

Director, Corporate Development

717.678.7935 <u>IR@LINKBANCORP.COM</u>

**LINKBANCORP, Inc. Announces Fourth Quarter 2025 and Full Year 2025 Financial Results and Declares Dividend**

**January 26, 2026 – HARRISBURG, PA –** LINKBANCORP, Inc. (NASDAQ: LNKB) (the "Company"), the parent company of LINKBANK (the "Bank"), reported net income of $2.9 million, or $0.08 per diluted share, for the quarter ended December 31, 2025, compared to net income of $7.8 million, or $0.21 per diluted share, for the quarter ended September 30, 2025. Excluding expenses associated with the pending merger with Burke & Herbert Financial Services Corp. ("Burke & Herbert") and other non-core expenses, adjusted pre-tax, pre-provision net income was $11.7 million<sup>1</sup> for the quarter ended December 31, 2025, compared to $11.0 million<sup>1</sup> for the quarter ended September 30, 2025. Net income for the year ended December 31, 2025 was $33.5 million, or $0.90 per diluted share, compared to $26.2 million, or $0.71 for the year ended December 31, 2024. Earnings for the fourth quarter of 2025 were adversely affected by increased provision expense primarily related to a specific reserve established for a single commercial credit (the "Commercial Relationship") with total exposure of $5.0 million, requiring a full impairment, with an after-tax effect of $4.0 million. The determination of this reserve resulted from concerns with the Commercial Relationship raised during the fourth quarter of 2025, leading to the identification of purported fraudulent activity in January 2026.

Additionally, the Company announced that the Board of Directors declared a quarterly cash dividend of $0.075 per share of common stock which is expected to be paid on March 16, 2026 to shareholders of record on February 27, 2026.

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

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Page 2 of 24

**FULL YEAR 2025 HIGHLIGHTS:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Annual Earnings Grow 26.8% over Prior Year.*** Earnings for the year ended December 31, 2025 were $33.5 million, or $0.90 per diluted share compared to $26.2 million, or $0.71 per diluted share for the year ended December 31, 2024, an increase of 26.8%. Adjusted pre-tax, pre-provision net income grew 20% year over year from $34.8 million<sup>1</sup> for the year ended December 31, 2024 to $41.8 million<sup>1</sup> for the year ended December 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***15.7% Year over Year Increase in Tangible Book Value.*** Book value per share increased to $8.18 at December 31, 2025 compared to $8.16 at September 30, 2025 and $7.50 at December 31, 2024. Tangible book value per share increased to $6.20<sup>1</sup> at December 31, 2025 compared to $6.15<sup>1</sup> at September 30, 2025 and $5.36<sup>1</sup> at December 31, 2024.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Expanding Deposit Franchise with 10.9% Annual Growth.*** Total deposits at December 31, 2025 were $2.55 billion compared to $2.67 billion at September 30, 2025 and $2.45 billion at December 31, 2024, representing an annual increase of $256.3 million<sup>2</sup>, or 10.9%, adjusting for the impact of the sale of banking operations and branches in New Jersey, including related loans and deposits (the "Branch Sale") and changes in brokered deposits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Robust Commercial Loan Growth.*** Total loans at December 31, 2025 were $2.56 billion, compared to $2.46 billion at September 30, 2025 and $2.35 billion at December 31, 2024, representing an annualized increase of $307.1 million<sup>2</sup> or 13.1% annualized excluding the impact of the Branch Sale.

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup>See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 3 of 24

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Strategic Merger with Burke & Herbert.*** On December 18, 2025, the Company entered into a definitive agreement with Burke & Herbert, the parent company of Burke & Herbert Bank, under which the companies will combine in an all-stock combination, valued at approximately $354.2 million or $9.38 per share of Company common stock, based on the closing price for Burke & Herbert's common stock of $69.45 as of December 17, 2025, the day prior to the merger announcement. When the transaction is complete, the combined organization will be a leading Mid-Atlantic community banking franchise with approximately $11.0 billion in assets. Completion of the proposed transaction is subject to receiving the requisite approvals of each party's shareholders, receipt of all required regulatory approvals, and fulfillment of other customary closing conditions.

"Overall, we were pleased with the core performance reflected in our quarterly and annual results, despite the impact of the required provision for a single commercial lending relationship," said Andrew Samuel, Chief Executive Officer of LINKBANCORP. "Annual net income reached an all-time high on strong growth in net interest income, continued progress in fee income and continued discipline in operating expenses. Looking ahead to 2026, we are excited to build on our strong organic growth, deliver exceptional service to our clients, and prepare for a successful merger with Burke & Herbert to create value for our shareholders."

**<u>Income Statement</u>** 

Net interest income before the provision for credit losses for the fourth quarter of 2025 was $27.1 million compared to $26.4 million in the third quarter of 2025 and $25.5 million for the fourth quarter of 2024. The increase was primarily driven by the significant growth in average earnings assets. Net interest margin was 3.74% for the fourth quarter of 2025 compared to 3.75% for the third quarter of 2025, and 3.85% for the fourth quarter of 2024. The spread on interest rates was stable quarter over quarter as the average loan yield decreased from 6.26% for the third quarter of 2025 to 6.22% for the fourth quarter of 2025, while the cost of funds decreased from 2.34% for the third quarter of 2025 to 2.32% for the fourth quarter of 2025. Interest income from purchase accounting accretion during the fourth quarter of 2025 was approximately $150

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 4 of 24

thousand less than that recognized in the third quarter of 2025 and $813 thousand less than the fourth quarter of 2024.

Noninterest income increased slightly quarter-over-quarter to $2.9 million for the fourth quarter of 2025 compared to $2.8 million for the third quarter of 2025. Year-over-year, noninterest income increased $326 thousand from $2.6 million for the fourth quarter of 2024.

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. The increase resulted primarily from an increased incentive compensation accrual, which was driven by achievement of organic growth goals, as well as a $500 thousand impairment on assets included in other 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 for the third quarter of 2025, reflecting an effective tax rate of 21.7% and $2.1 million for the fourth quarter of 2024, reflecting an effective tax rate of 21.9%.

**<u>Balance Sheet</u>**

Total assets were $3.07 billion at December 31, 2025 compared to $3.12 billion at September 30, 2025 and $2.88 billion at December 31, 2024. Deposits and net loans as of December 31, 2025 totaled $2.55 billion and $2.53 billion, respectively, compared to deposits and net loans of $2.67 billion and $2.43 billion, respectively at September 30, 2025 and $2.36 billion and $2.23 billion, respectively, at December 31, 2024. Deposits and net loans exclude recorded balances held for sale in the Branch Sale of $93.6 million and $91.8 million, respectively, at December 31, 2024, which are reflected within liabilities held for sale and assets held for sale.

Total loans at December 31, 2025 were $2.56 billion, compared to $2.46 billion at September 30, 2025, representing an increase of $99.8 million, with the majority of the growth in commercial loans. For the full year, total loans have increased $307.1 million<sup>2</sup> from December 31, 2024, excluding the impact of the Branch Sale, or 13.1% annualized. Total commercial loan commitments originated in the fourth quarter of 2025 were $199.4 million with funded balances of $132.7 million. The average commercial loan commitment originated during the fourth quarter of 2025 totaled approximately $1.1 million with an average outstanding funded balance

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 5 of 24

of $750 thousand. Total deposits at December 31, 2025 were $2.55 billion compared to $2.67 billion at September 30, 2025, representing a decrease of $113.3 million or -4.3% annualized driven by seasonal outflows related primarily to professional services and commercial clients. For the full year, total deposits have increased $256.3 million<sup>2</sup> from December 31, 2024, or 10.9%, adjusting for the impact of the Branch Sale and changes in brokered deposits. Noninterest bearing deposits totaled $603.7 million at December 31, 2025, down from $640.1 million at September 30, 2025. Brokered deposits decreased $40.0 million to $35.0 million at December 31, 2025. Average deposits increased $57.4 million, or 2.3%, to $2.56 billion for the quarter ended December 31, 2025, compared to $2.50 billion for the quarter ended September 30, 2025. This continued growth reflects our focus on developing deep relationships with our retail, professional services, and commercial clients to build a strong deposit franchise.

The Company continues to maintain strong on-balance sheet liquidity, as 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. Available sources of liquidity remain stable, with total availability of sources of liquidity of $1.31 billion at December 31, 2025.

Shareholders' equity increased to $306.4 million at December 31, 2025 from $305.5 million at September 30, 2025. Book value per share increased to $8.18 at December 31, 2025 compared to $8.16 at September 30, 2025. Tangible book value per share increased to $6.20<sup>1</sup> at December 31, 2025 compared to $6.15<sup>1</sup> at September 30, 2025 and $5.36<sup>1</sup>at December 31, 2024, representing 15.7% growth year over year.

**<u>Asset Quality</u>**

The Company recorded a $6.6 million provision for credit losses during the fourth quarter of 2025, $5.0 million of which related to a specific reserve for the Commercial Relationship referenced above. As noted above, the impairment resulted from concerns with the Commercial Relationship raised during the fourth quarter of 2025, leading to the identification of purported fraudulent activity in January 2026. The Company is pursuing all available sources of recovery. Based on the Company's review of the circumstances of the purported fraudulent activity involving this borrower, the Company believes this incident is an isolated occurrence and not indicative of a broader increase in exposure to fraud-related losses in connection with its lending

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 6 of 24

businesses. The remaining $1.6 million in provision recorded was driven by the strong loan growth experienced in the fourth quarter.

As of December 31, 2025, the Company's non-performing assets decreased to $24.4 million, representing 0.79% of total assets, compared to $24.6 million, representing 0.79% of total assets at September 30, 2025, resulting from the successful sale of multiple properties from one credit relationship, offset by the addition of the Commercial Relationship. Loans 30-89 days past due at December 31, 2025 were $8.22 million, representing 0.32% of total loans compared to $4.73 million or 0.19% of total loans at September 30, 2025 and $2.89 million or 0.13% of total loans at December 31, 2024. The increase was driven entirely by the inclusion of the Commercial Relationship, without which loans 30-89 days past due at December 31, 2025 would have decreased to $3.24 million.

The allowance for credit losses for loans was $31.7 million, or 1.24% of total loans held for investment at December 31, 2025, compared to $25.3 million, or 1.03% of total loans held for investment at September 30, 2025. The ratio of the allowance for credit losses for loans to nonperforming assets was 129.85% at December 31, 2025, compared to 102.90% at September 30, 2025. The increase in the allowance for credit losses was primarily due to the $5.0 million specific reserve for the Commercial Relationship.

The Company recorded $57 thousand in net recoveries during the fourth quarter of 2025 compared to $300 thousand in net charge-offs for the third quarter of 2025.

**<u>Capital</u>**

The Bank's regulatory capital ratios were well in excess of regulatory minimums to be considered "well capitalized" as of December 31, 2025. The Bank's Total Capital Ratio and Tier 1 Capital Ratio were 12.07% and 10.94% respectively, at December 31, 2025, compared to 12.31% and 11.39%, respectively, at September 30, 2025 and 11.55% and 10.74%, respectively, at December 31, 2024. The Company's ratio of Tangible Common Equity to Tangible Assets was 7.75%<sup>1</sup>at December 31, 2025 compared to 7.56%<sup>1</sup> at September 30, 2025 and 7.16%<sup>1</sup> at December 31, 2024.

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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**ABOUT LINKBANCORP, Inc.**

LINKBANCORP, Inc. was formed in 2018 with a mission to positively impact lives through community banking. Its subsidiary bank, LINKBANK, is a Pennsylvania state-chartered bank serving individuals, families, nonprofits and business clients throughout Pennsylvania, Maryland, Delaware and Virginia, through 24 client solutions centers and <u>www.linkbank.com</u>. LINKBANCORP, Inc. common stock is traded on the Nasdaq Capital Market under the symbol "LNKB". For further company information, visit <u>ir.linkbancorp.com</u>.

**<u>Forward Looking Statements</u>**

*This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of current or historical fact and involve substantial risks and uncertainties. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "intends," "plans," "projects," "may," "will," "should," and other similar expressions can be used to identify forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the following: costs or difficulties associated with newly developed or acquired operations; changes in general economic trends, including inflation, tariffs and changes in interest rates; increased competition; changes in consumer demand for financial services; our ability to control costs and expenses; adverse developments in borrower industries and, in particular, declines in real estate values; changes in and compliance with federal and state laws that regulate our business and capital levels; our ability to raise capital as needed; and the effects of any cybersecurity breaches. In addition, factors from the proposed merger with Burke & Herbert that could cause actual results to differ materially include the following: the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the definitive merger agreement between Burke & Herbert and the Company; the outcome of any legal proceedings that may be instituted against Burke & Herbert or the Company; the possibility that the proposed transaction will not close when expected or at all because required regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied on a timely basis or at all, or are obtained subject to conditions that are not anticipated (and the risk that required regulatory approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the proposed transaction); the ability of Burke & Herbert and the Company to meet expectations regarding the timing, completion and accounting and tax treatments of the proposed transaction; the risk that any announcements relating to the proposed transaction could have adverse effects on the market price of the common stock of either or both parties to the proposed transaction; the possibility that the anticipated benefits of the proposed transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where Burke & Herbert and the Company do business; certain restrictions during the pendency of the proposed transaction that may impact the parties' ability to pursue certain business opportunities or strategic transactions; the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; diversion of management's attention from ongoing business operations and opportunities; the possibility that the parties may be unable to achieve expected synergies and operating efficiencies in the merger within the expected timeframes or at all and to* 

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 8 of 24

*successfully integrate the Company's operations and those of Burke & Herbert; such integration may be more difficult, time- consuming or costly than expected; revenues following the proposed transaction may be lower than expected; Burke & Herbert's and the Company's success in executing their respective business plans and strategies and managing the risks involved in the foregoing; the dilution caused by Burke & Herbert's issuance of additional shares of its capital stock in connection with the proposed transaction; effects of the announcement, pendency or completion of the proposed transaction on the ability of Burke & Herbert and the Company to retain customers and retain and hire key personnel and maintain relationships with their suppliers, and on their operating results and businesses generally; and risks related to the potential impact of general economic, political and market factors on the companies or the proposed transaction and other factors that may affect future results of Burke & Herbert and the Company; and the other factors discussed in the "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" sections of each of Burke & Herbert's and the Company's Quarterly Report on Form 10–Q for the quarters ended March 31, 2025, June 30, 2025 and September 30, 2025, and other reports Burke & Herbert and the Company file with the Securities and Exchange Commission (the "SEC").*

*The Company does not undertake, and specifically disclaims, any obligation to publicly revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements, except as required by law. Accordingly, you should not place undue reliance on forward-looking statements.* 

**Additional Information and Where to Find It**

In connection with the proposed transaction, Burke & Herbert will file a registration statement on Form S-4 with the SEC to register the shares of Burke & Herbert common stock to be issued in connection with the proposed transaction. The registration statement will include a joint proxy statement of Burke & Herbert and the Company, which also constitutes a prospectus of Burke & Herbert, that will be sent to shareholders of Burke & Herbert and shareholders of the Company seeking certain approvals related to the proposed transaction. Each of Burke & Herbert and the Company may file with the SEC other relevant documents concerning the proposed transaction. This press release does not constitute an offer to sell or a solicitation of an offer to buy any securities or a solicitation of any vote or approval, nor shall there be any offer or sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended. INVESTORS AND SHAREHOLDERS OF THE COMPANY AND THEIR RESPECTIVE AFFILIATES ARE URGED TO READ, WHEN AVAILABLE, THE REGISTRATION STATEMENT ON FORM S-4, THE JOINT PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED TRANSACTION, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT BURKE & HERBERT, THE COMPANY AND THE PROPOSED TRANSACTION. Investors and shareholders will be able to obtain a free copy of the registration statement, including the joint proxy statement/prospectus, as well as other relevant documents filed with the SEC containing information about Burke & Herbert and the Company, without charge, at the SEC's website <u>www.sec.gov.</u>Copies of documents filed with the SEC by Burke & Herbert will be made available free of charge in the "Investor Relations" section of Burke & Herbert's website,

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 9 of 24

<u>www.burkeandherbertbank.com,</u>under the heading "Financials." Copies of documents filed with the SEC by the Company will be made available free of charge in the "Investor Relations" section of the Company's website, <u>www.linkbank.com,</u> under the heading "Financials." The information on Burke & Herbert's or the Company's respective websites is not, and shall not be deemed to be, a part of this press release or incorporated into other filings either company makes with the SEC.

**Participants in Solicitation**

Burke & Herbert, the Company, and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from shareholders of Burke & Herbert and shareholders of the Company in respect of the proposed transaction under the rules of the SEC. Information regarding Burke & Herbert's directors and executive officers is available in its definitive proxy statement, which was filed with the SEC on March 31, 2025, and certain other documents filed by Burke & Herbert with the SEC. Information regarding the Company's directors and executive officers is available in its definitive proxy statement, which was filed with the SEC on April 17, 2025, and certain other documents filed by the Company with the SEC. Other information regarding the participants in the solicitation of proxies in respect of the proposed transaction and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the joint proxy statement/prospectus and other relevant materials to be filed with the SEC. Free copies of these documents, when available, may be obtained as described in the preceding paragraph.

<sup>1</sup> See Appendix A — Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

<sup>2</sup> See Loan and Deposit Tables for Branch Sale Reconciliation

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Page 10 of 24

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Consolidated Balance Sheet (Unaudited)** | **Consolidated Balance Sheet (Unaudited)** | **Consolidated Balance Sheet (Unaudited)** | **Consolidated Balance Sheet (Unaudited)** | **Consolidated Balance Sheet (Unaudited)** | **Consolidated Balance Sheet (Unaudited)** |
|  | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** |
| *(In Thousands, except share and per share data)* |  |  |  |  |  |
| **ASSETS** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing cash equivalents | $15482 | $15321 | $15319 | $14830 | $13834 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing deposits with other institutions | 36811 | 178832 | 139764 | 205352 | 152266 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 52293 | 194153 | 155083 | 220182 | 166100 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities available for sale, at fair value | 262620 | 267930 | 169569 | 159183 | 145590 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities held to maturity, net of allowance for credit losses | 25485 | 26595 | 26809 | 27662 | 31508 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans receivable, gross | 2556729 | 2456977 | 2356609 | 2273941 | 2255749 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses - loans | (31674) | (25342) | (24651) | (26619) | (26435) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans receivable, net | 2525055 | 2431635 | 2331958 | 2247322 | 2229314 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments in restricted bank stock | 7735 | 4791 | 4821 | 4780 | 5209 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premises and equipment, net | 15957 | 15822 | 15861 | 17920 | 18029 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Right-of-Use Asset – premises | 15225 | 15632 | 15410 | 14537 | 14913 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | 53708 | 53263 | 52943 | 52507 | 52079 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangible assets | 74172 | 75213 | 76296 | 77379 | 79761 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred tax asset | 15952 | 15003 | 16474 | 16729 | 18866 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets held for sale |  |  |  |  | 94146 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable and other assets | 21790 | 22334 | 21330 | 23288 | 23263 |
| **TOTAL ASSETS** | $**3069992** | $**3122371** | $**2886554** | $**2861489** | $**2878778** |
| **LIABILITIES** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Demand, noninterest bearing | $603728 | $640100 | $646654 | $646002 | $658646 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest bearing | 1951024 | 2027999 | 1809755 | 1787692 | 1701936 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 2554752 | 2668099 | 2456409 | 2433694 | 2360582 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings |  | 40000 | 40000 | 40000 | 40000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Short-term borrowings | 115000 |  |  |  | 10000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note payable |  |  |  | 559 | 565 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt | 62281 | 62255 | 62279 | 62129 | 61984 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lease liabilities | 15564 | 15965 | 15740 | 15284 | 15666 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities held for sale |  |  |  |  | 93777 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable and other liabilities | 15963 | 30595 | 14128 | 15757 | 15983 |
| &nbsp;&nbsp;&nbsp;&nbsp;**TOTAL LIABILITIES** | **2763560** | **2816914** | **2588556** | **2567423** | **2598557** |
| **SHAREHOLDERS' EQUITY** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preferred stock |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common stock | 370 | 370 | 370 | 370 | 370 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Surplus | 266090 | 265637 | 265293 | 264871 | 264449 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings | 42300 | 42157 | 37107 | 32507 | 19947 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive loss | (2328) | (2707) | (4772) | (3682) | (4545) |
| &nbsp;&nbsp;&nbsp;&nbsp;**TOTAL SHAREHOLDERS' EQUITY** | **306432** | **305457** | **297998** | **294066** | **280221** |
| **TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY** | $**3069992** | $**3122371** | $**2886554** | $**2861489** | $**2878778** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common shares outstanding | 37457914 | 37447026 | 37441879 | 37377342 | 37370917 |

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|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Consolidated Statements of Operations (Unaudited)** | **Consolidated Statements of Operations (Unaudited)** | **Consolidated Statements of Operations (Unaudited)** | **Consolidated Statements of Operations (Unaudited)** | **Consolidated Statements of Operations (Unaudited)** | **Consolidated Statements of Operations (Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
|  | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| *(In Thousands, except share and per share data)* |  |  |  |  |  |
| INTEREST AND DIVIDEND INCOME |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans receivable, including fees | $39123 | $37755 | $37082 | $149951 | $146175 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 3974 | 4269 | 3224 | 14638 | 12549 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividend income | **43097** | **42024** | **40306** | **164589** | **158724** |
| INTEREST EXPENSE |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | 13614 | 13677 | 12823 | 52115 | 51033 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other Borrowings | 1098 | 950 | 962 | 3965 | 3977 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated Debt | 1261 | 1011 | 976 | 4219 | 3820 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | **15973** | **15638** | **14761** | **60299** | **58830** |
| NET INTEREST INCOME BEFORE <br> PROVISION FOR CREDIT LOSSES | 27124 | 26386 | 25545 | 104290 | 99894 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | 6594 | 1003 | 132 | 8169 | 257 |
| NET INTEREST INCOME AFTER<br> PROVISION FOR CREDIT LOSSES | **20530** | **25383** | **25413** | **96121** | **99637** |
| NONINTEREST INCOME |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposit accounts | 1074 | 1120 | 1339 | 4311 | 4036 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | 445 | 463 | 433 | 1772 | 1633 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net realized gains (losses) on the sale of debt securities |  |  |  |  | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of loans | 358 | 157 | 70 | 719 | 270 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of branches |  |  |  | 11093 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 1043 | 1065 | 752 | 4020 | 2919 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | **2920** | **2805** | **2594** | **21915** | **8862** |
| NONINTEREST EXPENSE |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits | 11223 | 10513 | 10147 | 43144 | 41061 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy | 1373 | 1356 | 1368 | 5501 | 5945 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment and data processing | 1631 | 2063 | 1884 | 7789 | 7174 |
| &nbsp;&nbsp;&nbsp;&nbsp;Professional fees | 745 | 593 | 531 | 2553 | 2830 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance and supervisory fees | 255 | 439 | 687 | 1830 | 2396 |
| &nbsp;&nbsp;&nbsp;&nbsp;Intangible amortization | 1041 | 1083 | 1162 | 4291 | 4778 |
| &nbsp;&nbsp;&nbsp;&nbsp;Merger & restructuring expenses | 650 |  | 56 | 707 | 914 |
| &nbsp;&nbsp;&nbsp;&nbsp;Advertising | 155 | 128 | 128 | 603 | 633 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 2466 | 1996 | 2339 | 9015 | 9173 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | **19539** | **18171** | **18302** | **75433** | **74904** |
| Income before income tax expense | 3911 | 10017 | 9705 | 42603 | 33595 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax expense | 969 | 2178 | 2121 | 9092 | 7386 |
| NET INCOME | $**2942** | $**7839** | $**7584** | $**33511** | $**26209** |
| EARNINGS PER SHARE, BASIC | $**0.08** | $**0.21** | $**0.20** | $**0.90** | $**0.71** |
| EARNINGS PER SHARE, DILUTED | $**0.08** | $**0.21** | $**0.20** | $**0.90** | $**0.71** |
| WEIGHTED-AVERAGE COMMON SHARES<br> OUTSTANDING, |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;BASIC | 37266414 | 37192313 | 37045701 | 37173548 | 36990672 |
| &nbsp;&nbsp;&nbsp;&nbsp;DILUTED | 37415446 | 37335646 | 37166107 | 37315644 | 37105614 |

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|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Financial Highlights (Unaudited)** | **Financial Highlights (Unaudited)** | **Financial Highlights (Unaudited)** | **Financial Highlights (Unaudited)** | **Financial Highlights (Unaudited)** | **Financial Highlights (Unaudited)** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| *(Dollars In Thousands, except per share data)* | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| **Operating Highlights** |  |  |  |  |  |
| Net Income | $2942 | $7839 | $7584 | $33511 | $26209 |
| Net Interest Income | 27124 | 26386 | 25545 | 104290 | 99894 |
| Provision for Credit Losses | 6594 | 1003 | 132 | 8169 | 257 |
| Non-Interest Income | 2920 | 2805 | 2594 | 21915 | 8862 |
| Non-Interest Expense | 19539 | 18171 | 18302 | 75433 | 74904 |
| Earnings per Share, Basic | 0.08 | 0.21 | 0.20 | 0.90 | 0.71 |
| Adjusted Earnings per Share, Basic <sup>(2)</sup> | 0.10 | 0.21 | 0.21 | 0.71 | 0.73 |
| Earnings per Share, Diluted | 0.08 | 0.21 | 0.20 | 0.90 | 0.71 |
| Adjusted Earnings per Share, Diluted <sup>(2)</sup> | 0.10 | 0.21 | 0.21 | 0.71 | 0.73 |
| **Selected Operating Ratios** |  |  |  |  |  |
| Net Interest Margin | 3.74% | 3.75% | 3.85% | 3.81% | 3.88% |
| Annualized Return on Assets ("ROA") | 0.38% | 1.04% | 1.06% | 1.14% | 0.94% |
| Adjusted ROA<sup>2</sup> | 0.50% | 1.04% | 1.07% | 0.90% | 0.97% |
| Annualized Return on Equity ("ROE") | 3.78% | 10.33% | 10.82% | 11.28% | 9.62% |
| Adjusted ROE<sup>2</sup> | 4.93% | 10.33% | 10.88% | 8.92% | 9.89% |
| Efficiency Ratio | 65.03% | 62.25% | 65.04% | 59.77% | 68.87% |
| Adjusted Efficiency Ratio<sup>3</sup> | 61.21% | 62.25% | 64.84% | 63.72% | 68.04% |
| Noninterest Income to Avg. Assets | 0.38% | 0.37% | 0.36% | 0.75% | 0.32% |
| Noninterest Expense to Avg. Assets | 2.52% | 2.42% | 2.56% | 2.57% | 2.70% |
|  | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| **Financial Condition Data** |  |  |  |  |  |
| Total Assets | $3069992 | $3122371 | $2886554 | $2861489 | $2878778 |
| Loans Receivable, Net | 2525055 | 2431635 | 2331958 | 2247322 | 2229314 |
| &nbsp;&nbsp;&nbsp;&nbsp; Noninterest-bearing Deposits | 603728 | 640100 | 646654 | 646002 | 658646 |
| &nbsp;&nbsp;&nbsp;&nbsp; Interest-bearing Deposits | 1951024 | 2027999 | 1809755 | 1787692 | 1701936 |
| Total Deposits | $2554752 | $2668099 | $2456409 | $2433694 | $2360582 |
| **Selected Balance Sheet Ratios** |  |  |  |  |  |
| Total Capital Ratio<sup>1</sup> | 12.07% | 12.31% | 12.43% | 12.61% | 11.55% |
| Tier 1 Capital Ratio<sup>1</sup> | 10.94% | 11.39% | 11.51% | 11.71% | 10.74% |
| Common Equity Tier 1 Capital Ratio<sup>1</sup> | 10.94% | 11.39% | 11.51% | 11.71% | 10.74% |
| Leverage Ratio<sup>1</sup> | 9.69% | 9.95% | 10.34% | 10.02% | 9.49% |
| Tangible Common Equity to Tangible Assets<sup>4</sup> | 7.75% | 7.56% | 7.89% | 7.78% | 7.16% |
| Tangible Book Value per Share<sup>5</sup> | $6.20 | $6.15 | $5.92 | $5.80 | $5.36 |
| **Asset Quality Data** |  |  |  |  |  |
| Non-performing Assets | $24393 | $24627 | $21877 | $26041 | $17173 |
| Non-performing Assets to Total Assets | 0.79% | 0.79% | 0.76% | 0.91% | 0.60% |
| Non-performing Loans to Total Loans | 0.95% | 1.00% | 0.93% | 1.15% | 0.76% |
| Allowance for Credit Losses - Loans ("ACLL") | $31674 | $25342 | $24651 | $26619 | $26435 |
| ACLL to Total Loans | 1.24% | 1.03% | 1.05% | 1.17% | 1.17% |
| ACLL to Nonperforming Assets | 129.85% | 102.90% | 112.68% | 102.22% | 153.93% |
| Net chargeoffs (recoveries)<sup>(6)</sup> | $(57) | $300 | $40 | $81 | $252 |
| (1) - These capital ratios have been calculated using bank-level capital | (1) - These capital ratios have been calculated using bank-level capital | (1) - These capital ratios have been calculated using bank-level capital | (1) - These capital ratios have been calculated using bank-level capital | (1) - These capital ratios have been calculated using bank-level capital | (1) - These capital ratios have been calculated using bank-level capital |
| (2) - This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. | (2) - This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. | (2) - This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. | (2) - This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. | (2) - This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. | (2) - This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. |

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| |
|:---|
| (3) - The efficiency ratio, as adjusted represents noninterest expense divided by the sum of net interest income and noninterest income, excluding gains or losses from securities sales and merger related expenses. This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. |
| (4) - We calculate tangible common equity as total shareholders' equity less goodwill and other intangibles, and we calculate tangible assets as total assets less goodwill and other intangibles. This is a non-GAAP financial measure. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. |
| (5) - We calculate tangible book value per common share as total shareholders' equity less goodwill and other intangibles, divided by the outstanding number of shares of our common stock at the end of the relevant period. Tangible book value per common share is a non-GAAP financial measure, and, as we calculate tangible book value per common share, the most directly comparable GAAP financial measure is book value per common share. See our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures at the end of this release. |
| (6) - Charge offs for the twelve months ended December 31, 2025 do not include the impact of a settlement of a purchase credit deteriorated loan ("PCD") that resulted in a net decrease to the allowance of $2.0 million, which was covered by a specific reserve established on this PCD loan at the time of acquisition. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** | **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** | **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** | **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** | **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** | **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** | **Net Interest Margin - Linked Quarter-To-Date (Unaudited)** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** |
| ***(Dollars in thousands)*** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** |
| Int. Earn. Cash | $90179 | $672 | 2.96% | $190584 | $1893 | 3.94% |
| &nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable <sup>(1)</sup> | 247687 | 2950 | 4.73% | 162865 | 2089 | 5.09% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-Exempt | 44550 | 474 | 4.22% | 42763 | 363 | 3.37% |
| &nbsp;&nbsp;Total Securities | 292237 | 3424 | 4.65% | 205628 | 2452 | 4.73% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total Cash Equiv. and Investments | 382416 | 4096 | 4.25% | 396212 | 4345 | 4.35% |
| Total Loans <sup>(3)</sup> | 2497355 | 39123 | 6.22% | 2393119 | 37755 | 6.26% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Earning Assets** | **2879771** | **43219** | **5.95%** | **2789331** | **42100** | **5.99%** |
| Other Assets | 191711 |  |  | 194442 |  |  |
| **Total Assets** | $**3071482** |  |  | $**2983773** |  |  |
| Interest bearing demand | $644650 | 3643 | 2.24% | $592572 | 3498 | 2.34% |
| Money market demand | 633856 | 3597 | 2.25% | 635450 | 3985 | 2.49% |
| Time deposits | 630472 | 6374 | 4.01% | 623505 | 6194 | 3.94% |
| Total Borrowings | 182877 | 2359 | 5.12% | 153493 | 1961 | 5.07% |
| Total Interest-Bearing Liabilities | 2091855 | 15973 | 3.03% | 2005020 | 15638 | 3.09% |
| Non Interest-Bearing Deposits | 635055 |  |  | 646608 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Cost of Funds** | **2726910** | **15973** | **2.32%** | **2651628** | **15638** | **2.34%** |
| Other Liabilities | 35907 |  |  | 31044 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Liabilities** | **2762817** |  |  | **2682672** |  |  |
| **Shareholders' Equity** | **308665** |  |  | **301101** |  |  |
| **Total Liabilities & Shareholders' Equity** | $**3071482** |  |  | $**2983773** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income/Spread (FTE)** |  | **27246** | **2.92%** |  | **26462** | **2.90%** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Tax-Equivalent Basis Adjustment** |  | **(122)** |  |  | **(76)** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income** |  | $**27124** |  |  | $**26386** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Margin** |  |  | **3.74%** |  |  | **3.75%** |
| <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. |
| <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table |
| <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans |

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|:---|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Net Interest Margin - Quarter-To-Date (Unaudited)** | **Net Interest Margin - Quarter-To-Date (Unaudited)** | **Net Interest Margin - Quarter-To-Date (Unaudited)** | **Net Interest Margin - Quarter-To-Date (Unaudited)** | **Net Interest Margin - Quarter-To-Date (Unaudited)** | **Net Interest Margin - Quarter-To-Date (Unaudited)** | **Net Interest Margin - Quarter-To-Date (Unaudited)** |
|  | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** |
|  | **2025** | **2025** | **2025** | **2024** | **2024** | **2024** |
| ***(Dollars in thousands)*** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** |
| Int. Earn. Cash | $90179 | $672 | 2.96% | $128802 | $1300 | 4.02% |
| &nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable <sup>(1)</sup> | 247687 | 2950 | 4.73% | 138168 | 1540 | 4.43% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-Exempt | 44550 | 474 | 4.22% | 44958 | 486 | 4.30% |
| &nbsp;&nbsp;Total Securities | 292237 | 3424 | 4.65% | 183126 | 2026 | 4.40% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total Cash Equiv. and Investments | 382416 | 4096 | 4.25% | 311928 | 3326 | 4.24% |
| Total Loans <sup>(3)</sup> | 2497355 | 39123 | 6.22% | 2327829 | 37082 | 6.34% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Earning Assets** | **2879771** | **43219** | **5.95%** | **2639757** | **40408** | **6.09%** |
| Other Assets | 191711 |  |  | 202693 |  |  |
| **Total Assets** | $**3071482** |  |  | $**2842450** |  |  |
| Interest bearing demand | $644650 | 3643 | 2.24% | $537856 | 3043 | 2.25% |
| Money market demand | 633856 | 3597 | 2.25% | 567593 | 3139 | 2.20% |
| Time deposits | 630472 | 6374 | 4.01% | 607231 | 6641 | 4.35% |
| Total Borrowings | 182877 | 2359 | 5.12% | 153117 | 1938 | 5.04% |
| Total Interest-Bearing Liabilities | 2091855 | 15973 | 3.03% | 1865797 | 14761 | 3.15% |
| Non Interest-Bearing Deposits | 635055 |  |  | 665276 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Cost of Funds** | **2726910** | **15973** | **2.32%** | **2531073** | **14761** | **2.32%** |
| Other Liabilities | 35907 |  |  | 32493 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Liabilities** | **2762817** |  |  | **2563566** |  |  |
| **Shareholders' Equity** | **308665** |  |  | **278884** |  |  |
| **Total Liabilities & Shareholders' Equity** | $**3071482** |  |  | $**2842450** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income/Spread (FTE)** |  | **27246** | **2.92%** |  | **25647** | **2.94%** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Tax-Equivalent Basis Adjustment** |  | **(122)** |  |  | **(102)** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income** |  | $**27124** |  |  | $**25545** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Margin** |  |  | **3.74%** |  |  | **3.85%** |
| <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. |
| <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table |
| <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Net Interest Margin - Year-To-Date (Unaudited)** | **Net Interest Margin - Year-To-Date (Unaudited)** | **Net Interest Margin - Year-To-Date (Unaudited)** | **Net Interest Margin - Year-To-Date (Unaudited)** | **Net Interest Margin - Year-To-Date (Unaudited)** | **Net Interest Margin - Year-To-Date (Unaudited)** | **Net Interest Margin - Year-To-Date (Unaudited)** |
|  | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** |
|  | **2025** | **2025** | **2025** | **2024** | **2024** | **2024** |
| ***(Dollars in thousands)*** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** |
| Int. Earn. Cash | $126531 | $4633 | 3.66% | $111790 | $4890 | 4.37% |
| &nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable <sup>(1)</sup> | 176647 | 8608 | 4.87% | 128140 | 6206 | 4.84% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-Exempt | 43468 | 1768 | 4.07% | 43134 | 1839 | 4.26% |
| &nbsp;&nbsp;Total Securities | 220115 | 10376 | 4.71% | 171274 | 8045 | 4.70% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total Cash Equiv. and Investments | 346646 | 15009 | 4.33% | 283064 | 12935 | 4.57% |
| Total Loans <sup>(3)</sup> | 2392590 | 149951 | 6.27% | 2290618 | 146175 | 6.38% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Earning Assets** | **2739236** | **164960** | **6.02%** | **2573682** | **159110** | **6.18%** |
| Other Assets | 192063 |  |  | 205568 |  |  |
| **Total Assets** | $**2931299** |  |  | $**2779250** |  |  |
| Interest bearing demand | $582618 | $13396 | 2.30% | $476686 | $10344 | 2.17% |
| Money market demand | 595229 | 13619 | 2.29% | 579232 | 12981 | 2.24% |
| Time deposits | 596161 | 25100 | 4.21% | 617894 | 27708 | 4.48% |
| Total Borrowings | 187859 | 8184 | 4.36% | 149572 | 7797 | 5.21% |
| Total Interest-Bearing Liabilities | 1961867 | 60299 | 3.07% | 1823384 | 58830 | 3.23% |
| Non Interest-Bearing Deposits | 640536 |  |  | 653966 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Cost of Funds** | $**2602403** | $**60299** | **2.32%** | $**2477350** | $**58830** | **2.37%** |
| Other Liabilities | 31938 |  |  | 29515 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Liabilities** | $**2634341** |  |  | $**2506865** |  |  |
| **Shareholders' Equity** | $**296958** |  |  | $**272385** |  |  |
| **Total Liabilities & Shareholders' Equity** | $**2931299** |  |  | $**2779250** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income/Spread (FTE)** |  | **104661** | **2.95%** |  | **100280** | **2.95%** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Tax-Equivalent Basis Adjustment** |  | **(371)** |  |  | **(386)** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income** |  | $**104290** |  |  | $**99894** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Margin** |  |  | **3.81%** |  |  | **3.88%** |
| <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. | <sup>(1)</sup> Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks. |
| <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table | <sup>(2)</sup> Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table |
| <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans | <sup>(3)</sup> Includes the balances of nonaccrual loans |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Loans Receivable Detail (Unaudited)** | **Loans Receivable Detail (Unaudited)** | **Loans Receivable Detail (Unaudited)** | **Loans Receivable Detail (Unaudited)** | **Loans Receivable Detail (Unaudited)** | **Loans Receivable Detail (Unaudited)** |
| *(In Thousands)* | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** |
| Agriculture and farmland loans | $61611 | $62098 | $61996 | $66684 | $67741 |
| Construction loans | 172917 | 155542 | 140976 | 136421 | 158296 |
| Commercial & industrial loans | 275824 | 266765 | 259877 | 257302 | 252163 |
| Commercial real estate loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Multifamily | 244554 | 236534 | 231469 | 215916 | 217331 |
| &nbsp;&nbsp;&nbsp;&nbsp; Owner occupied | 545837 | 522674 | 502515 | 472895 | 493906 |
| &nbsp;&nbsp;&nbsp;&nbsp; Non-owner occupied | 771537 | 730740 | 681521 | 645793 | 658615 |
| Residential real estate loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; First liens | 377108 | 377226 | 375879 | 378420 | 399476 |
| &nbsp;&nbsp;&nbsp;&nbsp; Second liens and lines of credit | 87051 | 84395 | 81194 | 79905 | 78410 |
| Consumer and other loans | 17062 | 17645 | 17525 | 17097 | 17087 |
| Municipal loans | 2767 | 2816 | 2917 | 3012 | 3886 |
|  | 2556268 | 2456435 | 2355869 | 2273445 | 2346911 |
| Deferred costs | 461 | 542 | 740 | 496 | 645 |
| **Total loans receivable** | 2556729 | 2456977 | 2356609 | 2273941 | 2347556 |
| Less: Loans held for sale |  |  |  |  | 91807 |
| Loans Held for Investment | $**2556729** | $**2456977** | $**2356609** | $**2273941** | $**2255749** |

---

---

| | |
|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Loan Growth Calculation Excluding Branch Sale (Unaudited)** | **Loan Growth Calculation Excluding Branch Sale (Unaudited)** |
| *(In Thousands)* | **December 31, 2025** |
| Total Loans at December 31, 2025 | $2556729 |
| Total Loans at December 31, 2024 | 2347556 |
| Year-to-date Change | 209173 |
| Net Book Value of Loans Sold | 97952 |
| Loan Growth Excluding Branch Sale | 307125 |
| Annualized Growth Rate | 13.08% |

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| | | | | |
|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |  |
| **Investments in Securities Detail (Unaudited)** | **Investments in Securities Detail (Unaudited)** | **Investments in Securities Detail (Unaudited)** | **Investments in Securities Detail (Unaudited)** |  |
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** |  |
| *(In Thousands)* | **Amortized<br>Cost** | **Net<br>Unrealized Gains<br>(Losses)** | **Fair<br>Value** |  |
| **Available for Sale:** |  |  |  |  |
| US Government Agency securities | $11337 | $292 | $11629 |  |
| Obligations of state and political subdivisions | 49892 | (2378) | 47514 |  |
| Mortgage-backed securities in government-sponsored entities | 203984 | (935) | 203049 |  |
| Other securities | 434 | (6) | 428 |  |
|  | $**265647** | $**(3027)** | $**262620** |  |
|  | **Amortized<br>Cost** | **Net Unrealized Losses** | **Fair Value** | **Allowance for Credit Losses** |
| **Held to Maturity:** |  |  |  |  |
| Corporate debentures | $12250 | $(367) | $11883 | $(391) |
| Structured mortgage-backed securities | 13626 | (298) | 13328 |  |
|  | $**25876** | $**(665)** | $**25211** | $**(391)** |
|  | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |  |
| *(In Thousands)* | **Amortized<br>Cost** | **Net<br>Unrealized Gains <br>(Losses)** | **Fair<br>Value** |  |
| **Available for Sale:** |  |  |  |  |
| US Government Agency securities | $13017 | $56 | $13073 |  |
| Obligations of state and political subdivisions | 51254 | (4053) | 47201 |  |
| Mortgage-backed securities in government-sponsored entities | 88289 | (3506) | 84783 |  |
| Other securities | 542 | (9) | 533 |  |
|  | $**153102** | $**(7512)** | $**145590** |  |
|  | **Amortized<br>Cost** | **Net Unrealized Losses** | **Fair Value** | **Allowance for Credit Losses** |
| **Held to Maturity:** |  |  |  |  |
| Corporate debentures | $15250 | $(984) | $14266 | $(459) |
| Structured mortgage-backed securities | 16717 | (699) | 16018 |  |
|  | $**31967** | $**(1683)** | $**30284** | $**(459)** |

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Page 19 of 24

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Deposits Detail (Unaudited)** | **Deposits Detail (Unaudited)** | **Deposits Detail (Unaudited)** | **Deposits Detail (Unaudited)** | **Deposits Detail (Unaudited)** | **Deposits Detail (Unaudited)** |
| *(In Thousands)* | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** |
| Demand, noninterest-bearing | $603728 | $640100 | $646654 | $646002 | $686510 |
| Demand, interest-bearing | 658523 | 677496 | 576050 | 577170 | 537546 |
| Money market and savings | 617534 | 656727 | 580143 | 553240 | 553807 |
| Time deposits, $250 and over | 210105 | 201648 | 177897 | 166441 | 167165 |
| Time deposits, other | 429862 | 417128 | 400665 | 387226 | 405493 |
| Brokered deposits | 35000 | 75000 | 75000 | 103615 | 103615 |
|  | 2554752 | 2668099 | 2456409 | 2433694 | 2454136 |
| Less: Deposits held for sale |  |  |  |  | 93554 |
| Total deposits | $**2554752** | $**2668099** | $**2456409** | $**2433694** | $**2360582** |
| **Average Deposits Detail, for the Three Months Ended (Unaudited)** | **Average Deposits Detail, for the Three Months Ended (Unaudited)** | **Average Deposits Detail, for the Three Months Ended (Unaudited)** | **Average Deposits Detail, for the Three Months Ended (Unaudited)** | **Average Deposits Detail, for the Three Months Ended (Unaudited)** | **Average Deposits Detail, for the Three Months Ended (Unaudited)** |
| *(In Thousands)* | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** |
| Demand, noninterest-bearing | $635055 | $646608 | $628962 | $649440 | $665276 |
| Demand, interest-bearing | 644650 | 592572 | 547177 | 545475 | 537856 |
| Money market and savings | 633856 | 635450 | 553294 | 555663 | 567593 |
| Time deposits | 630472 | 599048 | 575205 | 576366 | 568615 |
| Brokered deposits | 11467 | 24457 | 34117 | 56283 | 38616 |
| Total deposits | $**2555500** | $**2498135** | $**2338755** | $**2383227** | $**2377956** |
| Balances in table above include deposits held for sale for the three months ended December 31, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024. |

---

---

| | |
|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Core Deposit Growth Calculation Excluding Branch Sale (Unaudited)** | **Core Deposit Growth Calculation Excluding Branch Sale (Unaudited)** |
| *(In Thousands)* | **December 31, 2025** |
| Total Deposits at December 31, 2025 | $2554752 |
| Less: Brokered Deposits at December 31, 2025 | (35000) |
| Total Core Deposits at December 31, 2025 | $2519752 |
| Total Deposits at December 31, 2024 | $2454136 |
| Less: Brokered Deposits at December 31, 2024 | (103615) |
| Total Core Deposits at December 31, 2024 | $2350521 |
| Year-to-date Change in Core Deposits | 169231 |
| Net Book Value of Deposits Sold | 87086 |
| Deposit Growth Excluding Branch Sale | 256317 |
| Annualized Growth Rate | 10.90% |

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Page 20 of 24

**<u>Appendix A – Reconciliation to Non-GAAP Financial Measures</u>** 

This document contains supplemental financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America ("GAAP"). Management uses these non-GAAP measures in its analysis of the Company's performance. These measures should not be considered a substitute for GAAP basis measures nor should they be viewed as a substitute for operating results determined in accordance with GAAP. Management believes the presentation of non-GAAP financial measures that exclude the impact of specified items provide useful supplemental information that is essential to a proper understanding of the Company's financial condition and results. Non-GAAP measures are not formally defined under GAAP, and other entities may use calculation methods that differ from those used by us. As a complement to GAAP financial measures, our management believes these non-GAAP financial measures assist investors in comparing the financial condition and results of operations of financial institutions due to the industry prevalence of such non-GAAP measures. See the tables below for a reconciliation of these non-GAAP measures to the most directly comparable GAAP financial measures.

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** | **<u>Adjusted Return on Average Assets</u>** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| *(Dollars in thousands)* | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** | **12/31/2025** | **12/31/2025** | **12/31/2024** | **12/31/2024** |
| Net income | $| 2942 | $| 7839 | $| 7584 | $| 33511 | $| 26209 |
| Average assets |  | 3071482 |  | 2983773 |  | 2842450 |  | 2931299 |  | 2779250 |
| **Return on average assets (annualized)** |  | **0.38%** |  | **1.04%** |  | **1.06%** |  | **1.14%** |  | **0.94%** |
| Net income | $| 2942 | $| 7839 | $| 7584 |  | 33511 |  | 26209 |
| Gain on sale of branches |  |  |  |  |  |  |  | (11093) |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | 2440 |  |  |
| Transaction bonus accrual |  |  |  |  |  |  |  | 490 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (108) |  |  |
| Board restructuring accrual |  |  |  |  |  |  |  | 381 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (84) |  |  |
| Net (gains) losses on sale or impairment of assets |  | 500 |  |  |  |  |  | 500 |  | (4) |
| Tax effect<sup>(1)</sup> |  | (110) |  |  |  |  |  | (110) |  | 1 |
| Merger & restructuring expenses |  | 650 |  |  |  | 56 |  | 707 |  | 914 |
| Tax effect<sup>(1)</sup> |  | (143) |  |  |  | (12) |  | (156) |  | (192) |
| Adjusted Net Income (Non-GAAP) | $| 3839 | $| 7839 | $| 7628 | $| 26478 |  | 26928 |
| Average assets | $| 3071482 | $| 2983773 | $| 2842450 | $| 2931299 |  | 2779250 |
| **Adjusted return on average assets (annualized) <br>(Non-GAAP)** |  | **0.50%** |  | **1.04%** |  | **1.07%** |  | **0.90%** |  | **0.97%** |
| (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** | **<u>Adjusted Return on Average Shareholders' Equity</u>** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| *(Dollars in thousands)* | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** | **12/31/2025** | **12/31/2025** | **12/31/2024** | **12/31/2024** |
| Net income | $| 2942 | $| 7839 | $| 7584 | $| 33511 | $| 26209 |
| Average shareholders' equity |  | 308665 |  | 301101 |  | 278884 |  | 296958 |  | 272385 |
| **Return on average shareholders' equity (annualized)** |  | **3.78%** |  | **10.33%** |  | **10.82%** |  | **11.28%** |  | **9.62%** |
| Net income | $| 2942 | $| 7839 | $| 7584 | $| 33511 | $| 26209 |
| Gain on sale of branches |  |  |  |  |  |  |  | (11093) |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | 2440 |  |  |
| Transaction bonus accrual |  |  |  |  |  |  |  | 490 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (108) |  |  |
| Board restructuring accrual |  |  |  |  |  |  |  | 381 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (84) |  |  |
| Merger & restructuring expenses |  | 650 |  |  |  | 56 |  | 707 |  | 914 |
| Tax effect<sup>(1)</sup> |  | (143) |  |  |  | (12) |  | (156) |  | (192) |
| Net (gains) losses on sale or impairment of assets |  | 500 |  |  |  |  |  | 500 |  | (4) |
| Tax effect<sup>(1)</sup> |  | (110) |  |  |  |  |  | (110) |  | 1 |
| Adjusted Net Income (Non-GAAP) | $| 3839 | $| 7839 | $| 7628 | $| 26478 | $| 26928 |
| Average shareholders' equity | $| 308665 | $| 301101 | $| 278884 | $| 296958 | $| 272385 |
| **Adjusted return on average shareholders' equity (annualized) <br>(Non-GAAP)** |  | **4.93%** |  | **10.33%** |  | **10.88%** |  | **8.92%** |  | **9.89%** |
| (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods |

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Page 22 of 24

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** | **<u>Adjusted Earnings Per Share</u>** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| *(Dollars in thousands, except per share data)* | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** | **12/31/2025** | **12/31/2025** | **12/31/2024** | **12/31/2024** |
| **GAAP-Based Earnings Per Share, Basic** | **$** | **0.08** | **$** | **0.21** | **$** | **0.20** | **$** | **0.90** | **$** | **0.71** |
| **GAAP-Based Earnings Per Share, Diluted** | **$** | **0.08** | **$** | **0.21** | **$** | **0.20** | **$** | **0.90** | **$** | **0.71** |
| Net Income | $| 2942 | $| 7839 | $| 7584 | $| 33511 | $| 26209 |
| Gain on sale of branches |  |  |  |  |  |  |  | (11093) |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | 2440 |  |  |
| Transaction bonus accrual |  |  |  |  |  |  |  | 490 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (108) |  |  |
| Board restructuring accrual |  |  |  |  |  |  |  | 381 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (84) |  |  |
| Merger & restructuring expenses |  | 650 |  |  |  | 56 |  | 707 |  | 914 |
| Tax effect<sup>(1)</sup> |  | (143) |  |  |  | (12) |  | (156) |  | (192) |
| Net (gains) losses on sale or impairment of assets |  | 500 |  |  |  |  |  | 500 |  | (4) |
| Tax effect<sup>(1)</sup> |  | (110) |  |  |  |  |  | (110) |  | 1 |
| Adjusted Net Income (Non-GAAP) | $| 3839 | $| 7839 | $| 7628 | $| 26478 | $| 26928 |
| **Adjusted Earnings per Share, Basic (Non-GAAP)** | **$** | **0.10** | **$** | **0.21** | **$** | **0.21** | **$** | **0.71** | **$** | **0.73** |
| **Adjusted Earnings per Share, Diluted (Non-GAAP)** | **$** | **0.10** | **$** | **0.21** | **$** | **0.21** | **$** | **0.71** | **$** | **0.73** |
| (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** | **<u>Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)</u>** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| *(Dollars in thousands, except per share data)* | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** | **12/31/2025** | **12/31/2025** | **12/31/2024** | **12/31/2024** |
| **Net Income (GAAP)** | $| 2942 | $| 7839 | $| 7584 | $| 33511 | $| 26209 |
| Gain on sale of branches |  |  |  |  |  |  |  | (11093) |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | 2440 |  |  |
| Transaction bonus accrual |  |  |  |  |  |  |  | 490 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (108) |  |  |
| Board restructuring accrual |  |  |  |  |  |  |  | 381 |  |  |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  | (84) |  |  |
| Net (gains) losses on sale or impairment of assets |  | 500 |  |  |  |  |  | 500 |  | (4) |
| Tax effect<sup>(1)</sup> |  | (110) |  |  |  |  |  | (110) |  | 1 |
| Merger & restructuring expenses |  | 650 |  |  |  | 56 |  | 707 |  | 914 |
| Tax effect<sup>(1)</sup> |  | (143) |  |  |  | (12) |  | (156) |  | (192) |
| **Adjusted Net Income (Non-GAAP)** |  | 3839 |  | 7839 |  | 7628 |  | 26478 |  | 26928 |
| Income tax expense |  | 969 |  | 2178 |  | 2121 |  | 9092 |  | 7386 |
| Provision for credit losses |  | 6594 |  | 1003 |  | 132 |  | 8169 |  | 257 |
| Tax effect included in Adjusted Net Income |  | 253 |  |  |  | 12 |  | (1982) |  | 191 |
| **Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)** | $ | 11655 | $ | 11020 | $ | 9893 | $ | 41757 | $ | 34762 |
| (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended December 31, 2025 and September 30, 2025, and twelve months ended December 31, 2025, and 21% for all other periods |

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Page 23 of 24

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Tangible Common Equity and Tangible Book Value</u>** | **<u>Tangible Common Equity and Tangible Book Value</u>** | **<u>Tangible Common Equity and Tangible Book Value</u>** | **<u>Tangible Common Equity and Tangible Book Value</u>** | **<u>Tangible Common Equity and Tangible Book Value</u>** | **<u>Tangible Common Equity and Tangible Book Value</u>** |
| *(Dollars in thousands, except per share data)* | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| **<u>Tangible Common Equity</u>** |  |  |  |  |  |
| Total shareholders' equity | $306432 | $305457 | $297998 | $294066 | $280221 |
| Adjustments: |  |  |  |  |  |
| Goodwill | (58806) | (58806) | (58806) | (58806) | (58806) |
| Other intangible assets | (15366) | (16407) | (17490) | (18573) | (20955) |
| Tangible common equity (Non-GAAP) | $232260 | $230244 | $221702 | $216687 | $200460 |
| Common shares outstanding | 37457914 | 37447026 | 37441879 | 37377342 | 37370917 |
| **Book value per common share** | $**8.18** | $**8.16** | $**7.96** | $**7.87** | $**7.50** |
| **Tangible book value per common share <br>(Non-GAAP)** | $**6.20** | $**6.15** | $**5.92** | $**5.80** | $**5.36** |
| **<u>Tangible Assets</u>** |  |  |  |  |  |
| Total assets | $3069992 | $3122371 | $2886554 | $2861489 | $2878778 |
| Adjustments: |  |  |  |  |  |
| Goodwill | (58806) | (58806) | (58806) | (58806) | (58806) |
| Other intangible assets | (15366) | (16407) | (17490) | (18573) | (20955) |
| Tangible assets (Non-GAAP) | $2995820 | $3047158 | $2810258 | $2784110 | $2799017 |
| **Tangible common equity to tangible assets (Non-GAAP)** | **7.75%** | **7.56%** | **7.89%** | **7.78%** | **7.16%** |

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| | | |
|:---|:---|:---|
| **Return on Tangible Common Equity** |  |  |
|  | **For the Three Months Ended** | **For the Twelve Months Ended** |
| (Dollars in thousands) | **12/31/2025** | **12/31/2025** |
| Net income | $2942 | $33511 |
| Average shareholders' equity | 308665 | 296958 |
| Adjustments: |  |  |
| Goodwill | (58806) | (58806) |
| Other intangible assets | (16020) | (15366) |
| **Average tangible common equity (Non-GAAP)** | $233839 | $222786 |
| **Return on tangible common equity (annualized) (Non-GAAP)** | **4.99%** | **15.04%** |

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Page 24 of 24

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Adjusted Efficiency Ratio</u>** | **<u>Adjusted Efficiency Ratio</u>** | **<u>Adjusted Efficiency Ratio</u>** | **<u>Adjusted Efficiency Ratio</u>** | **<u>Adjusted Efficiency Ratio</u>** | **<u>Adjusted Efficiency Ratio</u>** |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| *(Dollars in thousands)* | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| **GAAP-based efficiency ratio** | **65.03%** | **62.25%** | **65.04%** | **59.77%** | **68.87%** |
| Net interest income | $27124 | $26386 | $25545 | $104290 | $99894 |
| Noninterest income | 2920 | 2805 | 2594 | 21915 | 8862 |
| Less: Gain on sale of branches |  |  |  | (11093) |  |
| Less: net gains (losses) on sale of securities |  |  |  |  | (4) |
| Adjusted revenue (Non-GAAP) | 30044 | 29191 | 28139 | 115112 | 108752 |
| Total noninterest expense | 19539 | 18171 | 18302 | 75433 | 74904 |
| Less: Merger & restructuring expenses | 650 |  | 56 | 707 | 914 |
| Less: Transaction bonus accrual |  |  |  | 490 |  |
| Less: Board restructuring accrual |  |  |  | 381 |  |
| Less: Impairment of assets | 500 |  |  | 500 |  |
| Adjusted non-interest expense | $18389 | $18171 | $18246 | $73355 | $73990 |
| **Efficiency ratio, as adjusted (Non-GAAP)** | **61.21%** | **62.25%** | **64.84%** | **63.72%** | **68.04%** |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Adjusted noninterest expense (Non-GAAP)** |  |  |  |  |  |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| (Dollars in thousands, except per share data) | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| **Noninterest expense - GAAP** | $19539 | $18171 | $18065 | $19658 | $18302 |
| Merger & restructuring expenses | 650 |  | 16 | 41 | 56 |
| Transaction bonus accrual |  |  |  | 490 |  |
| Board restructuring accrual |  |  |  | 381 |  |
| Impairment of assets | 500 |  |  |  |  |
| **Adjusted noninterest expense (Non-GAAP)** | $**18389** | $**18171** | $**18049** | $**18746** | $**18246** |

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