# EDGAR Filing Document

**Accession Number:** 0001756701
**File Stem:** 0001193125-25-251676
**Filing Date:** 2025-10
**Character Count:** 108574
**Document Hash:** d34d1e89df30f1b4bca0c12bd684b288
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-251676.hdr.sgml**: 20251027

**ACCESSION NUMBER**: 0001193125-25-251676

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 47

**CONFORMED PERIOD OF REPORT**: 20251023

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

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251027

**DATE AS OF CHANGE**: 20251027

**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:** 251420318

**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):** October 23, 2025<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 October 27, 2025, LINKBANCORP, Inc. (the "Company") issued a press release reporting its financial results as of and for the three and nine months ended September 30, 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 7.01 Regulation FD
A copy of LINKBANCORP, Inc.'s investor presentation based on September 30, 2025 financial information is furnished as Exhibit 99.2 hereto.

The information in Exhibit 99.2 to this Current Report on Form 8-K shall not be deemed to be "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934, or otherwise subject to the liabilities thereof, nor shall it be deemed to be incorporated by reference in any filing under the Securities and Exchange Act of 1934 or under the Securities Act of 1933, except to the extent specifically provided in any such filing.

**Item 8.01 Other Events.**

On October 23, 2025, the Board of Directors of LINKBANCORP, Inc. (the "Company") declared a quarterly cash dividend of $0.075 per share, payable on December 15, 2025 to shareholders of record at the close of business on November 28, 2025.

## Item 9.01 Financial Statements and Exhibits.

---

| | |
|:---|:---|
| (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 October 27, 2025 |
|  | [<u>99.2</u>](lnkb-ex99_2.htm)&nbsp;&nbsp;&nbsp;&nbsp; Investor Presentation |
|  | 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.

---

| | | | |
|:---|:---|:---|:---|
|  |  |  | LINKBANCORP, INC. |
| Date: | October 27, 2025 | By:  | /s/ Carl D. Lundblad |
|  |  |  | Carl D. Lundblad<br>President |

---

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## Exhibit 99.1

![img53420396_0.jpg](img53420396_0.jpg)

**<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 Strong Third Quarter 2025 Earnings and Declares Dividend**

**October 27, 2025 – HARRISBURG, PA –** LINKBANCORP, Inc. (NASDAQ: LNKB) (the "Company"), the parent company of LINKBANK (the "Bank"), reported net income of $7.8 million, or $0.21 per diluted share, for the quarter ended September 30, 2025, compared to net income of $7.4 million, or $0.20 per diluted share, for the quarter ended June 30, 2025.

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 December 15, 2025 to shareholders of record on November 28, 2025.

<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 21

**Third Quarter 2025 Highlights**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Strong Core Earnings Growth Trend Continues.*** Net income grew in the third quarter of 2025 to $7.8 million, compared to $7.4 million for the second quarter of 2025 and $7.1 million for the third quarter of 2024. Adjusted pre-tax pre-provision net income was $11.0 million<sup>1</sup> for the third quarter of 2025, compared to $9.8 million<sup>1</sup> for the second quarter of 2025 and $9.4 million<sup>1</sup> for the third quarter of 2024, resulting in a linked quarterly increase of $1.2 million or 12.07%*.*** Annualized return on average assets was 1.04% for the third quarter of 2025, compared to 1.05% for the second quarter of 2025 and 1.00% for the third quarter of 2024.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***16.92% Year over Year Increase in Tangible Book Value.*** Book value per share increased to $8.16 at September 30, 2025 compared to $7.96 at June 30, 2025. Tangible book value per share increased to $6.15<sup>1</sup>at September 30, 2025 compared to $5.92<sup>1</sup> at June 30, 2025 and $5.26<sup>1</sup>at September 30, 2024

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Total Deposits Increase 8.62% from Prior Quarter End.*** Total deposits at September 30, 2025 were $2.67 billion compared to $2.46 billion at June 30, 2025 and $2.45 billion at December 31, 2024, representing a quarterly increase of $211.7 million or 34.19% annualized and a year-to-date increase of $329.7 million<sup>2</sup>or 18.75% annualized, adjusting for the impact of the sale of banking operations and branches in New Jersey, including related loans and deposits (the "Branch Sale") and change in brokered deposits.

<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 21

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Quality Commercial Loan Growth.*** Total loans at September 30, 2025 were $2.46 billion, compared to $2.36 billion at June 30, 2025 and $2.35 billion at December 31, 2024, representing a quarterly increase of $100.4 million or 16.90% annualized and a year-to-date increase of $207.4 million<sup>2</sup> or 11.81% annualized excluding the impact of the Branch Sale.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•***Disciplined Expense Management.*** Noninterest expense for the third quarter of 2025 was $18.2 million with an efficiency ratio of 62.25%, compared to $18.1 million of noninterest expense with an efficiency ratio of 64.79% for the second quarter of 2025, and $18.5 million of noninterest expense with an efficiency ratio of 66.71% in the third quarter of 2024.

"We are pleased to announce another strong quarter of record core earnings accompanied by robust growth in core deposits and quality loans that position us well for a strong finish to 2025 and increasing momentum into the new year," said Andrew Samuel, Chief Executive Officer of LINKBANCORP. "Each of our markets are contributing to these results and we are proud of the exceptional performance of our teams as they navigate through the current environment."

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

Net interest income before the provision for credit losses for the third quarter of 2025 was $26.4 million compared to $24.9 million in the second quarter of 2025 and $25.0 million for the third quarter of 2024. Net interest margin was 3.75% for the third quarter of 2025 compared to 3.80% for the second quarter of 2025, and 3.82% for the third quarter of 2024. Net interest margin was impacted by the strong growth in core deposits and timing on loan fundings, resulting in higher average cash of $190.6 million for the quarter ending September 30, 2025 compared to $114.3 million for the quarter ending June 30, 2025. The spread on interest rates was stable quarter over quarter as the average loan yield increased from 6.22% for the second quarter of 2025 to 6.26% for the third quarter of 2025, while the cost of funds increased from 2.31% for the second quarter of 2025 to 2.34% for the third quarter of 2025. Interest income from purchase accounting accretion during the third quarter of 2025 was approximately $71 thousand more than that recognized in the second quarter of 2025 and $636 thousand less than the third quarter of 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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Page 4 of 21

Noninterest income decreased slightly quarter-over-quarter to $2.8 million for the third quarter of 2025 compared to $2.9 million for the second quarter of 2025. Year-over-year, noninterest income increased $125 thousand from $2.7 million for the third quarter of 2024.

Noninterest expense for the third quarter of 2025 was $18.2 million compared to $18.1 million for the second quarter of 2025 and $18.5 million for the third quarter of 2024. Noninterest expense increased slightly from the prior quarter primarily due to an increase in employee health insurance costs.

Income tax expense was $2.2 million for the third quarter of 2025, reflecting an effective tax rate of 21.7% compared to $2.1 million for the second quarter of 2025, reflecting an effective tax rate of 22.0% and $2.0 million for the third quarter of 2024, reflecting an effective tax rate of 22.2%.

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

Total assets were $3.12 billion at September 30, 2025 compared to $2.89 billion at June 30, 2025 and $2.88 billion at December 31, 2024. Deposits and net loans as of September 30, 2025 totaled $2.67 billion and $2.43 billion, respectively, compared to deposits and net loans of $2.46 billion and $2.33 billion, respectively at June 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 September 30, 2025 were $2.46 billion, compared to $2.36 billion at June 30, 2025, representing an increase of $100.4 million, with the majority of the growth in commercial loans. Year-to-date, total loans have increased $207.4 million<sup>2</sup> from December 31, 2024, excluding the impact of the Branch Sale, or 11.81% annualized. Total commercial loan commitments originated in the third quarter of 2025 were $235.9 million with funded balances of $177.4 million. The average commercial loan commitment originated during the third quarter of 2025 totaled approximately $1.2 million with an average outstanding funded balance of $924 thousand. Total deposits at September 30, 2025 were $2.67 billion compared to $2.46 billion at June 30, 2025, representing an increase of $211.7 million or 34.19% annualized. This robust growth reflected a continued focus on core deposit generation, particularly from commercial relationships, and included strong inflows into interest checking accounts from professional services clients and money market accounts from commercial clients. Year-to-date, total deposits

<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 21

have increased $329.7 million<sup>2</sup> from December 31, 2024, or 18.75%, adjusting for the impact of the Branch Sale and change in brokered deposits. Noninterest bearing deposits totaled $640.1 million at September 30, 2025, slightly down from $646.7 million at June 30, 2025. Brokered deposits remained flat at $75.0 million at each quarter end. Average deposits increased $159.4 million from $2.34 billion for the three months ended June 30, 2025 to $2.50 billion for the three months ended September 30, 2025.<br>The Company continues to maintain strong on-balance sheet liquidity, as cash and cash equivalents were $194.2 million at September 30, 2025 compared to $155.1 million at June 30, 2025 and $166.1 million at December 31, 2024. As a result of the Company's strong core deposit growth, excess cash was redeployed into purchases of available for sale securities with balances of $267.9 million at September 30, 2025 compared to $169.6 million at June 30, 2025.

Shareholders' equity increased to $305.5 million at September 30, 2025 from $298.0 million at June 30, 2025 primarily as a result of a $5.1 million increase in retained earnings. Book value per share increased to $8.16 at September 30, 2025 compared to $7.96 at June 30, 2025. Tangible book value per share increased to $6.15<sup>1</sup> at September 30, 2025 compared to $5.92<sup>1</sup> at June 30, 2025 and $5.26<sup>1</sup>at September 30, 2024, representing 16.92% growth year over year.

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

The Company recorded a $1.0 million provision for credit losses during the third quarter of 2025, after recording a $344 thousand provision for credit losses in the second quarter of 2025.

The increase in provision was primarily related to commercial loan growth during the third quarter of 2025.

Delinquencies improved over the prior quarter, as loans 30-89 days past due at September 30, 2025 were $4.73 million, representing 0.19% of total loans compared to $14.5 million or 0.62% of total loans at June 30, 2025 and $2.9 million or 0.13% of total loans at December 31, 2024. As of September 30, 2025, the Company's non-performing assets increased slightly to $24.6 million, representing 0.79% of total assets, compared to $21.9 million, representing 0.76% of total assets at June 30, 2025. The increase in non-performing assets was primarily related to one commercial loan secured by a perfected first lien on real estate that is properly margined.

<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 21

The allowance for credit losses for loans was $25.3 million, or 1.03% of total loans held for investment at September 30, 2025, compared to $24.7 million, or 1.05% of total loans held for investment at June 30, 2025. The ratio of the allowance for credit losses for loans to nonperforming assets was 102.90% at September 30, 2025, compared to 112.68% at June 30, 2025.

The Company recorded $300 thousand in net charge-offs during the third quarter of 2025 compared to $40 thousand for the second quarter of 2025. The charge-off was due to one loan which previously had a specific allocated reserve.

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

The Bank's regulatory capital ratios were well in excess of regulatory minimums to be considered "well capitalized" as of September 30, 2025. The Bank's Total Capital Ratio and Tier 1 Capital Ratio were 12.31% and 11.39% respectively, at September 30, 2025, compared to 12.43% and 11.51%, respectively, at June 30, 2025 and 11.44% and 10.62%, respectively, at September 30, 2024. The Company's ratio of Tangible Common Equity to Tangible Assets was 7.55%<sup>1</sup>at September 30, 2025 compared to 7.89%<sup>1</sup> at June 30, 2025 and 7.02%<sup>1</sup> at September 30, 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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Page 7 of 21

**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. 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.* 

<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 21

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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)** |
|  | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** | **September 30, 2024** |
| *(In Thousands, except share and per share data)* |  |  |  |  |  |
| **ASSETS** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing cash equivalents | $15321 | $15319 | $14830 | $13834 | $15295 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing deposits with other institutions | 178832 | 139764 | 205352 | 152266 | 175937 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 194153 | 155083 | 220182 | 166100 | 191232 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities available for sale, at fair value | 267930 | 169569 | 159183 | 145590 | 149315 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities held to maturity, net of allowance for credit losses | 26595 | 26809 | 27662 | 31508 | 34155 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans receivable, gross | 2456977 | 2356609 | 2273941 | 2255749 | 2215868 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses - loans | (25342) | (24651) | (26619) | (26435) | (26542) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans receivable, net | 2431635 | 2331958 | 2247322 | 2229314 | 2189326 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments in restricted bank stock | 4791 | 4821 | 4780 | 5209 | 4904 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premises and equipment, net | 15822 | 15861 | 17920 | 18029 | 17623 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Right-of-Use Asset – premises | 15632 | 15410 | 14537 | 14913 | 14150 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | 53263 | 52943 | 52507 | 52079 | 51646 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangible assets | 75213 | 76296 | 77379 | 79761 | 80924 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred tax asset | 15925 | 16474 | 16729 | 18866 | 21662 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets held for sale |  |  |  | 94146 | 104660 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable and other assets | 22334 | 21330 | 23288 | 23263 | 20344 |
| **TOTAL ASSETS** | $**3123293** | $**2886554** | $**2861489** | $**2878778** | $**2879941** |
| **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 | $640100 | $646654 | $646002 | $658646 | $658473 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest bearing | 2027999 | 1809755 | 1787692 | 1701936 | 1714179 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 2668099 | 2456409 | 2433694 | 2360582 | 2372652 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings | 40000 | 40000 | 40000 | 40000 | 40000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Short-term borrowings |  |  |  | 10000 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note payable |  |  | 559 | 565 | 572 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt | 62255 | 62279 | 62129 | 61984 | 61843 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lease liabilities | 15965 | 15740 | 15284 | 15666 | 14911 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities held for sale |  |  |  | 93777 | 94228 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable and other liabilities | 31517 | 14128 | 15757 | 15983 | 18382 |
| &nbsp;&nbsp;&nbsp;&nbsp;**TOTAL LIABILITIES** | **2817836** | **2588556** | **2567423** | **2598557** | **2602588** |
| **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 | 265637 | 265293 | 264871 | 264449 | 264059 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings | 42157 | 37107 | 32507 | 19947 | 15147 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive loss | (2707) | (4772) | (3682) | (4545) | (2223) |
| &nbsp;&nbsp;&nbsp;&nbsp;**TOTAL SHAREHOLDERS' EQUITY** | **305457** | **297998** | **294066** | **280221** | **277353** |
| **TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY** | $**3123293** | $**2886554** | $**2861489** | $**2878778** | $**2879941** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common shares outstanding | 37447026 | 37441879 | 37377342 | 37370917 | 37361560 |

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Page 9 of 21

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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** | **Nine Months Ended** | **Nine Months Ended** |
|  | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| *(In Thousands, except share and per share data)* |  |  |  |  |  |
| INTEREST AND DIVIDEND INCOME |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans receivable, including fees | $37755 | $36032 | $36856 | $110828 | $109093 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 4269 | 3294 | 3338 | 10664 | 9325 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividend income | **42024** | **39326** | **40194** | **121492** | **118418** |
| INTEREST EXPENSE |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | 13677 | 12467 | 13292 | 38501 | 38210 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other Borrowings | 950 | 931 | 949 | 2867 | 2967 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated Debt | 1011 | 979 | 972 | 2958 | 2892 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | **15638** | **14377** | **15213** | **44326** | **44069** |
| NET INTEREST INCOME BEFORE <br> PROVISION FOR CREDIT LOSSES | 26386 | 24949 | 24981 | 77166 | 74349 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | 1003 | 344 | 84 | 1575 | 125 |
| NET INTEREST INCOME AFTER<br> PROVISION FOR CREDIT LOSSES | **25383** | **24605** | **24897** | **75591** | **74224** |
| NONINTEREST INCOME |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposit accounts | 1120 | 1056 | 1052 | 3237 | 2697 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | 463 | 436 | 430 | 1327 | 1199 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net realized gains (losses) on the sale of debt securities |  |  |  |  | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of loans | 156 | 128 | 138 | 361 | 200 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of branches |  |  |  | 11093 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 1066 | 1313 | 1060 | 2977 | 2167 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | **2805** | **2933** | **2680** | **18995** | **6267** |
| NONINTEREST EXPENSE |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits | 10513 | 10252 | 9855 | 31921 | 30914 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy | 1356 | 1308 | 1440 | 4128 | 4577 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment and data processing | 2063 | 2052 | 1640 | 6158 | 5290 |
| &nbsp;&nbsp;&nbsp;&nbsp;Professional fees | 593 | 728 | 763 | 1808 | 2299 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance and supervisory fees | 439 | 537 | 812 | 1575 | 1709 |
| &nbsp;&nbsp;&nbsp;&nbsp;Intangible amortization | 1083 | 1083 | 1205 | 3250 | 3615 |
| &nbsp;&nbsp;&nbsp;&nbsp;Merger & restructuring expenses |  | 16 | 171 | 57 | 858 |
| &nbsp;&nbsp;&nbsp;&nbsp;Advertising | 128 | 176 | 163 | 448 | 505 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 1996 | 1913 | 2403 | 6549 | 6834 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | **18171** | **18065** | **18452** | **55894** | **56601** |
| Income before income tax expense | 10017 | 9473 | 9125 | 38692 | 23890 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax expense | 2178 | 2086 | 2030 | 8123 | 5265 |
| NET INCOME | $**7839** | $**7387** | $**7095** | $**30569** | $**18625** |
| EARNINGS PER SHARE, BASIC | $**0.21** | $**0.20** | $**0.19** | $**0.82** | $**0.50** |
| EARNINGS PER SHARE, DILUTED | $**0.21** | $**0.20** | $**0.19** | $**0.82** | $**0.50** |
| WEIGHTED-AVERAGE COMMON SHARES<br> OUTSTANDING, |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;BASIC | 37192313 | 37136851 | 36983637 | 37146280 | 36972127 |
| &nbsp;&nbsp;&nbsp;&nbsp;DILUTED | 37335646 | 37244008 | 37090111 | 37257831 | 37061512 |

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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 Nine Months Ended** | **For the Nine Months Ended** |
| *(Dollars In Thousands, except per share data)* | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| **Operating Highlights** |  |  |  |  |  |
| Net Income | $7839 | $7387 | $7095 | $30569 | $18625 |
| Net Interest Income | 26386 | 24949 | 24981 | 77166 | 74349 |
| Provision for Credit Losses | 1003 | 344 | 84 | 1575 | 125 |
| Non-Interest Income | 2805 | 2933 | 2680 | 18995 | 6267 |
| Non-Interest Expense | 18171 | 18065 | 18452 | 55894 | 56601 |
| Earnings per Share, Basic | 0.21 | 0.20 | 0.19 | 0.82 | 0.50 |
| Adjusted Earnings per Share, Basic <sup>(2)</sup> | 0.21 | 0.20 | 0.20 | 0.61 | 0.52 |
| Earnings per Share, Diluted | 0.21 | 0.20 | 0.19 | 0.82 | 0.50 |
| Adjusted Earnings per Share, Diluted <sup>(2)</sup> | 0.21 | 0.20 | 0.19 | 0.61 | 0.52 |
| **Selected Operating Ratios** |  |  |  |  |  |
| Net Interest Margin | 3.75% | 3.80% | 3.82% | 3.82% | 3.89% |
| Annualized Return on Assets ("ROA") | 1.04% | 1.05% | 1.00% | 1.41% | 0.90% |
| Adjusted ROA<sup>2</sup> | 1.04% | 1.05% | 1.02% | 1.05% | 0.93% |
| Annualized Return on Equity ("ROE") | 10.33% | 10.04% | 10.30% | 13.93% | 9.20% |
| Adjusted ROE<sup>2</sup> | 10.33% | 10.06% | 10.50% | 10.32% | 9.53% |
| Efficiency Ratio | 62.25% | 64.79% | 66.71% | 58.13% | 70.21% |
| Adjusted Efficiency Ratio<sup>3</sup> | 62.25% | 64.73% | 66.09% | 64.61% | 69.15% |
| Noninterest Income to Avg. Assets | 0.37% | 0.42% | 0.38% | 0.88% | 0.30% |
| Noninterest Expense to Avg. Assets | 2.42% | 2.57% | 2.61% | 2.59% | 2.73% |
|  | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| **Financial Condition Data** |  |  |  |  |  |
| Total Assets | $3123293 | $2886554 | $2861489 | $2878778 | $2879941 |
| Loans Receivable, Net | 2431635 | 2331958 | 2247322 | 2229314 | 2189326 |
| &nbsp;&nbsp;&nbsp;&nbsp; Noninterest-bearing Deposits | 640100 | 646654 | 646002 | 658646 | 658473 |
| &nbsp;&nbsp;&nbsp;&nbsp; Interest-bearing Deposits | 2027999 | 1809755 | 1787692 | 1701936 | 1714179 |
| Total Deposits | $2668099 | $2456409 | $2433694 | $2360582 | $2372652 |
| **Selected Balance Sheet Ratios** |  |  |  |  |  |
| Total Capital Ratio<sup>1</sup> | 12.31% | 12.43% | 12.61% | 11.55% | 11.44% |
| Tier 1 Capital Ratio<sup>1</sup> | 11.39% | 11.51% | 11.71% | 10.74% | 10.62% |
| Common Equity Tier 1 Capital Ratio<sup>1</sup> | 11.39% | 11.51% | 11.71% | 10.74% | 10.62% |
| Leverage Ratio<sup>1</sup> | 9.95% | 10.34% | 10.02% | 9.49% | 9.41% |
| Tangible Common Equity to Tangible Assets<sup>4</sup> | 7.55% | 7.89% | 7.78% | 7.16% | 7.02% |
| Tangible Book Value per Share<sup>5</sup> | $6.15 | $5.92 | $5.80 | $5.36 | $5.26 |
| **Asset Quality Data** |  |  |  |  |  |
| Non-performing Assets | $24627 | $21877 | $26041 | $17173 | $17378 |
| Non-performing Assets to Total Assets | 0.79% | 0.76% | 0.91% | 0.60% | 0.60% |
| Non-performing Loans to Total Loans | 1.00% | 0.93% | 1.15% | 0.76% | 0.78% |
| Allowance for Credit Losses - Loans ("ACLL") | $25342 | $24651 | $26619 | $26435 | $26542 |
| ACLL to Total Loans | 1.03% | 1.05% | 1.17% | 1.17% | 1.20% |
| ACLL to Nonperforming Assets | 102.90% | 112.68% | 102.22% | 153.93% | 152.73% |
| Net chargeoffs (recoveries)<sup>(6)</sup> | $300 | $40 | $81 | $252 | $(28) |
| (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 three months ended June 30, 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 - 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 September 30,** | **For the Three Months Ended September 30,** | **For the Three Months Ended September 30,** | **For the Three Months Ended September 30,** | **For the Three Months Ended September 30,** | **For the Three Months Ended September 30,** |
|  | **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 | $190584 | $1893 | 3.94% | $114383 | $1296 | 4.51% |
| &nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable <sup>(1)</sup> | 162865 | 2089 | 5.09% | 133443 | 1683 | 5.02% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-Exempt | 42763 | 363 | 3.37% | 42800 | 453 | 4.21% |
| &nbsp;&nbsp;Total Securities | 205628 | 2452 | 4.73% | 176243 | 2136 | 4.82% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total Cash Equiv. and Investments | 396212 | 4345 | 4.35% | 290626 | 3432 | 4.70% |
| Total Loans <sup>(3)</sup> | 2393119 | 37755 | 6.26% | 2313228 | 36856 | 6.34% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Earning Assets** | **2789331** | **42100** | **5.99%** | **2603854** | **40288** | **6.16%** |
| Other Assets | 194442 |  |  | 208407 |  |  |
| **Total Assets** | $**2983773** |  |  | $**2812261** |  |  |
| Interest bearing demand | $592572 | 3498 | 2.34% | $497100 | 2902 | 2.32% |
| Money market demand | 635450 | 3985 | 2.49% | 580766 | 3396 | 2.33% |
| Time deposits | 623505 | 6194 | 3.94% | 613402 | 6993 | 4.54% |
| Total Borrowings | 153493 | 1961 | 5.07% | 153699 | 1922 | 4.97% |
| Total Interest-Bearing Liabilities | 2005020 | 15638 | 3.09% | 1844967 | 15213 | 3.28% |
| Non Interest-Bearing Deposits | 646608 |  |  | 659825 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Cost of Funds** | **2651628** | **15638** | **2.34%** | **2504792** | **15213** | **2.42%** |
| Other Liabilities | 31044 |  |  | 33534 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Liabilities** | **2682672** |  |  | **2538326** |  |  |
| **Shareholders' Equity** | **301101** |  |  | **273935** |  |  |
| **Total Liabilities & Shareholders' Equity** | $**2983773** |  |  | $**2812261** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income/Spread (FTE)** |  | **26462** | **2.90%** |  | **25075** | **2.88%** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Tax-Equivalent Basis Adjustment** |  | **(76)** |  |  | **(94)** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income** |  | $**26386** |  |  | $**24981** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Margin** |  |  | **3.75%** |  |  | **3.82%** |
| <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 - 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** |
|  | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** | **June 30, 2025** | **June 30, 2025** | **June 30, 2025** |
| ***(Dollars in thousands)*** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** | **Avg Bal** | **Interest** <sup>(2)</sup> | **Yield/Rate** |
| Int. Earn. Cash | $190584 | $1893 | 3.94% | $114315 | $1097 | 3.85% |
| &nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable <sup>(1)</sup> | 162865 | 2089 | 5.09% | 152185 | 1819 | 4.79% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-Exempt | 42763 | 363 | 3.37% | 42688 | 478 | 4.49% |
| &nbsp;&nbsp;Total Securities | 205628 | 2452 | 4.73% | 194873 | 2297 | 4.73% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total Cash Equiv. and Investments | 396212 | 4345 | 4.35% | 309188 | 3394 | 4.40% |
| Total Loans <sup>(3)</sup> | 2393119 | 37755 | 6.26% | 2324897 | 36032 | 6.22% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Earning Assets** | **2789331** | **42100** | **5.99%** | **2634085** | **39426** | **6.00%** |
| Other Assets | 194442 |  |  | 183156 |  |  |
| **Total Assets** | $**2983773** |  |  | $**2817241** |  |  |
| Interest bearing demand | $592572 | 3498 | 2.34% | $547177 | 3207 | 2.35% |
| Money market demand | 635450 | 3985 | 2.49% | 553294 | 3099 | 2.25% |
| Time deposits | 623505 | 6194 | 3.94% | 609322 | 6161 | 4.06% |
| Total Borrowings | 153493 | 1961 | 5.07% | 152668 | 1910 | 5.02% |
| Total Interest-Bearing Liabilities | 2005020 | 15638 | 3.09% | 1862461 | 14377 | 3.10% |
| Non Interest-Bearing Deposits | 646608 |  |  | 628962 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Cost of Funds** | **2651628** | **15638** | **2.34%** | **2491423** | **14377** | **2.31%** |
| Other Liabilities | 31044 |  |  | 30815 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Liabilities** | **2682672** |  |  | **2522238** |  |  |
| **Shareholders' Equity** | **301101** |  |  | **295003** |  |  |
| **Total Liabilities & Shareholders' Equity** | $**2983773** |  |  | $**2817241** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income/Spread (FTE)** |  | **26462** | **2.90%** |  | **25049** | **2.90%** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Tax-Equivalent Basis Adjustment** |  | **(76)** |  |  | **(100)** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income** |  | $**26386** |  |  | $**24949** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Margin** |  |  | **3.75%** |  |  | **3.80%** |
| <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 Nine Months Ended September 30,** | **For the Nine Months Ended September 30,** | **For the Nine Months Ended September 30,** | **For the Nine Months Ended September 30,** | **For the Nine Months Ended September 30,** | **For the Nine Months Ended September 30,** |
|  | **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 | $138531 | $3962 | 3.82% | $106334 | $3590 | 4.51% |
| &nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable <sup>(1)</sup> | 155818 | 5657 | 4.85% | 125264 | 4666 | 4.98% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-Exempt | 43142 | 1323 | 4.10% | 42606 | 1353 | 4.24% |
| &nbsp;&nbsp;Total Securities | 198960 | 6980 | 4.69% | 167870 | 6019 | 4.79% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total Cash Equiv. and Investments | 337491 | 10942 | 4.33% | 274204 | 9609 | 4.68% |
| Total Loans <sup>(3)</sup> | 2360524 | 110828 | 6.28% | 2279378 | 109093 | 6.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Earning Assets** | **2698015** | **121770** | **6.03%** | **2553582** | **118702** | **6.21%** |
| Other Assets | 192203 |  |  | 210962 |  |  |
| **Total Assets** | $**2890218** |  |  | $**2764544** |  |  |
| Interest bearing demand | $564320 | $9753 | 2.31% | $458184 | $7301 | 2.13% |
| Money market demand | 584401 | 10021 | 2.29% | 582998 | 9841 | 2.25% |
| Time deposits | 623723 | 18727 | 4.01% | 621881 | 21068 | 4.53% |
| Total Borrowings | 151403 | 5825 | 5.14% | 147557 | 5859 | 5.30% |
| Total Interest-Bearing Liabilities | 1923847 | 44326 | 3.08% | 1810620 | 44069 | 3.25% |
| Non Interest-Bearing Deposits | 641967 |  |  | 650384 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Cost of Funds** | $**2565814** | $**44326** | **2.31%** | $**2461004** | $**44069** | **2.39%** |
| Other Liabilities | 31092 |  |  | 33086 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Liabilities** | $**2596906** |  |  | $**2494090** |  |  |
| **Shareholders' Equity** | $**293312** |  |  | $**270454** |  |  |
| **Total Liabilities & Shareholders' Equity** | $**2890218** |  |  | $**2764544** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income/Spread (FTE)** |  | **77444** | **2.95%** |  | **74633** | **2.96%** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Tax-Equivalent Basis Adjustment** |  | **(278)** |  |  | **(284)** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Income** |  | $**77166** |  |  | $**74349** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net Interest Margin** |  |  | **3.82%** |  |  | **3.89%** |
| <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)* | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** | **September 30, 2024** |
| Agriculture and farmland loans | $62098 | $61996 | $66684 | $67741 | $65166 |
| Construction loans | 155542 | 140976 | 136421 | 158296 | 175373 |
| Commercial & industrial loans | 266765 | 259877 | 257302 | 252163 | 241597 |
| Commercial real estate loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Multifamily | 236534 | 231469 | 215916 | 217331 | 212444 |
| &nbsp;&nbsp;&nbsp;&nbsp; Owner occupied | 522674 | 502515 | 472895 | 493906 | 500643 |
| &nbsp;&nbsp;&nbsp;&nbsp; Non-owner occupied | 730740 | 681521 | 645793 | 658615 | 626030 |
| Residential real estate loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; First liens | 377226 | 375879 | 378420 | 399476 | 400869 |
| &nbsp;&nbsp;&nbsp;&nbsp; Second liens and lines of credit | 84395 | 81194 | 79905 | 78410 | 73591 |
| Consumer and other loans | 17645 | 17525 | 17097 | 17087 | 17498 |
| Municipal loans | 2816 | 2917 | 3012 | 3886 | 4296 |
|  | 2456435 | 2355869 | 2273445 | 2346911 | 2317507 |
| Deferred costs | 542 | 740 | 496 | 645 | 634 |
| **Total loans receivable** | 2456977 | 2356609 | 2273941 | 2347556 | 2318141 |
| Less: Loans held for sale |  |  |  | 91807 | 102273 |
| Loans Held for Investment | $**2456977** | $**2356609** | $**2273941** | $**2255749** | $**2215868** |

---

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| | |
|:---|:---|
| **LINKBANCORP, Inc. and Subsidiaries** | **LINKBANCORP, Inc. and Subsidiaries** |
| **Loan Growth Calculation Excluding Branch Sale (Unaudited)** | **Loan Growth Calculation Excluding Branch Sale (Unaudited)** |
| *(In Thousands)* | **September 30, 2025** |
| Total Loans at September 30, 2025 | $2456977 |
| Total Loans at December 31, 2024 | 2347556 |
| Year-to-date Change | 109421 |
| Net Book Value of Loans Sold | 97952 |
| Loan Growth Excluding Branch Sale | 207373 |
| Annualized Growth Rate | 11.81% |

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Page 16 of 21

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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)** |  |
|  | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** |  |
| *(In Thousands)* | **Amortized<br>Cost** | **Net<br>Unrealized Gains<br>(Losses)** | **Fair<br>Value** |  |
| **Available for Sale:** |  |  |  |  |
| US Government Agency securities | $11257 | $322 | $11579 |  |
| Obligations of state and political subdivisions | 50731 | (2761) | 47970 |  |
| Mortgage-backed securities in government-sponsored entities | 209168 | (1120) | 208048 |  |
| Other securities | 341 | (8) | 333 |  |
|  | $**271497** | $**(3567)** | $**267930** |  |
|  | **Amortized<br>Cost** | **Net Unrealized Losses** | **Fair Value** | **Allowance for Credit Losses** |
| **Held to Maturity:** |  |  |  |  |
| Corporate debentures | $12250 | $(651) | $11599 | $(387) |
| Structured mortgage-backed securities | 14732 | (307) | 14425 |  |
|  | $**26982** | $**(958)** | $**26024** | $**(387)** |
|  | **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 17 of 21

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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)* | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** | **September 30, 2024** |
| Demand, noninterest-bearing | $640100 | $646654 | $646002 | $686510 | $687536 |
| Demand, interest-bearing | 677496 | 576050 | 577170 | 537546 | 547099 |
| Money market and savings | 656727 | 580143 | 553240 | 553807 | 585395 |
| Time deposits, $250 and over | 201648 | 177897 | 166441 | 167165 | 169616 |
| Time deposits, other | 417128 | 400665 | 387226 | 405493 | 401976 |
| Brokered deposits | 75000 | 75000 | 103615 | 103615 | 75000 |
|  | 2668099 | 2456409 | 2433694 | 2454136 | 2466622 |
| Less: Deposits held for sale |  |  |  | 93554 | 93970 |
| Total deposits | $**2668099** | $**2456409** | $**2433694** | $**2360582** | $**2372652** |
| **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)* | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** | **December 31, 2024** | **September 30, 2024** |
| Demand, noninterest-bearing | $646608 | $628962 | $649440 | $665276 | $659825 |
| Demand, interest-bearing | 592572 | 547177 | 545475 | 537856 | 497100 |
| Money market and savings | 635450 | 553294 | 555663 | 567593 | 580766 |
| Time deposits | 599048 | 575205 | 576366 | 568615 | 560815 |
| Brokered deposits | 24457 | 34117 | 56283 | 38616 | 52587 |
| Total deposits | $**2498135** | $**2338755** | $**2383227** | $**2377956** | $**2351093** |
| Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024. | Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024. |

---

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| | |
|:---|:---|
| **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)* | **September 30, 2025** |
| Total Deposits at September 30, 2025 | $2668099 |
| Less: Brokered Deposits at September 30, 2025 | (75000) |
| Total Core Deposits at September 30, 2025 | $2593099 |
| 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 | 242578 |
| Net Book Value of Deposits Sold | 87086 |
| Quarterly Deposit Growth Excluding Branch Sale | 329664 |
| Annualized Growth Rate | 18.75% |

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Page 18 of 21

**<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 Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** |
| *(Dollars in thousands)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** |
| Net income | $| 7839 | $| 7387 | $| 7095 | $| 30569 | $| 18625 |
| Average assets |  | 2983773 |  | 2817241 |  | 2812261 |  | 2890218 |  | 2764544 |
| **Return on average assets (annualized)** |  | **1.04%** |  | **1.05%** |  | **1.00%** |  | **1.41%** |  | **0.90%** |
| Net income | $| 7839 | $| 7387 | $| 7095 |  | 30569 |  | 18625 |
| 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 losses on sale of securities |  |  |  |  |  |  |  |  |  | (4) |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  |  |  | 1 |
| Merger & restructuring expenses |  |  |  | 16 |  | 171 |  | 57 |  | 858 |
| Tax effect<sup>(1)</sup> |  |  |  | (4) |  | (36) |  | (13) |  | (180) |
| Adjusted Net Income (Non-GAAP) | $| 7839 | $| 7399 | $| 7230 | $| 22639 |  | 19300 |
| Average assets | $| 2983773 | $| 2817241 | $| 2812261 | $| 2890218 |  | 2764544 |
| **Adjusted return on average assets (annualized) <br>(Non-GAAP)** |  | **1.04%** |  | **1.05%** |  | **1.02%** |  | **1.05%** |  | **0.93%** |
| (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 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 Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** |
| *(Dollars in thousands)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** |
| Net income | $| 7839 | $| 7387 | $| 7095 | $| 30569 | $| 18625 |
| Average shareholders' equity |  | 301101 |  | 295003 |  | 273935 |  | 293312 |  | 270454 |
| **Return on average shareholders' equity (annualized)** |  | **10.33%** |  | **10.04%** |  | **10.30%** |  | **13.93%** |  | **9.20%** |
| Net income | $| 7839 | $| 7387 | $| 7095 | $| 30569 | $| 18625 |
| 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 |  |  |  | 16 |  | 171 |  | 57 |  | 858 |
| Tax effect<sup>(1)</sup> |  |  |  | (4) |  | (36) |  | (13) |  | (180) |
| Net (gains) losses on sale of securities |  |  |  |  |  |  |  |  |  | (4) |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  |  |  | 1 |
| Adjusted Net Income (Non-GAAP) | $| 7839 | $| 7399 | $| 7230 | $| 22639 | $| 19300 |
| Average shareholders' equity | $| 301101 | $| 295003 | $| 273935 | $| 293312 | $| 270454 |
| **Adjusted return on average shareholders' equity (annualized) <br>(Non-GAAP)** |  | **10.33%** |  | **10.06%** |  | **10.50%** |  | **10.32%** |  | **9.53%** |
| (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods |

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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)* | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| **<u>Tangible Common Equity</u>** |  |  |  |  |  |
| Total shareholders' equity | $305457 | $297998 | $294066 | $280221 | $277353 |
| Adjustments: |  |  |  |  |  |
| Goodwill | (58806) | (58806) | (58806) | (58806) | (58806) |
| Other intangible assets | (16407) | (17490) | (18573) | (20955) | (22118) |
| Tangible common equity (Non-GAAP) | $230244 | $221702 | $216687 | $200460 | $196429 |
| Common shares outstanding | 37447026 | 37441879 | 37377342 | 37370917 | 37361560 |
| **Book value per common share** | $**8.16** | $**7.96** | $**7.87** | $**7.50** | $**7.42** |
| **Tangible book value per common share <br>(Non-GAAP)** | $**6.15** | $**5.92** | $**5.80** | $**5.36** | $**5.26** |
| **<u>Tangible Assets</u>** |  |  |  |  |  |
| Total assets | $3123293 | $2886554 | $2861489 | $2878778 | $2879941 |
| Adjustments: |  |  |  |  |  |
| Goodwill | (58806) | (58806) | (58806) | (58806) | (58806) |
| Other intangible assets | (16407) | (17490) | (18573) | (20955) | (22118) |
| Tangible assets (Non-GAAP) | $3048080 | $2810258 | $2784110 | $2799017 | $2799017 |
| **Tangible common equity to tangible assets (Non-GAAP)** | **7.55%** | **7.89%** | **7.78%** | **7.16%** | **7.02%** |

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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 Nine Months Ended** | **For the Nine Months Ended** |
| *(Dollars in thousands)* | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| **GAAP-based efficiency ratio** | **62.25%** | **64.79%** | **66.71%** | **58.13%** | **70.21%** |
| Net interest income | $26386 | $24949 | $24981 | $77166 | $74349 |
| Noninterest income | 2805 | 2933 | 2680 | 18995 | 6267 |
| Less: Gain on sale of branches |  |  |  | (11093) |  |
| Less: net gains (losses) on sale of securities |  |  |  |  | (4) |
| Adjusted revenue (Non-GAAP) | 29191 | 27882 | 27661 | 85068 | 80612 |
| Total noninterest expense | 18171 | 18065 | 18452 | 55894 | 56601 |
| Less: Merger & restructuring expenses |  | 16 | 171 | 57 | 858 |
| Less: Transaction bonus accrual |  |  |  | 490 |  |
| Less: Board restructuring accrual |  |  |  | 381 |  |
| Adjusted non-interest expense | $18171 | $18049 | $18281 | $54966 | $55743 |
| **Efficiency ratio, as adjusted (Non-GAAP)** | **62.25%** | **64.73%** | **66.09%** | **64.61%** | **69.15%** |

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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 Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** |
| *(Dollars in thousands, except per share data)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** |
| **Net Income (GAAP)** | $| 7839 | $| 7387 | $| 7095 | $| 30569 | $| 18625 |
| 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 of securities |  |  |  |  |  |  |  |  |  | (4) |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  |  |  | 1 |
| Merger & restructuring expenses |  |  |  | 16 |  | 171 |  | 57 |  | 858 |
| Tax effect<sup>(1)</sup> |  |  |  | (4) |  | (36) |  | (13) |  | (180) |
| **Adjusted Net Income (Non-GAAP)** |  | 7839 |  | 7399 |  | 7230 |  | 22639 |  | 19300 |
| Income tax expense |  | 2178 |  | 2086 |  | 2030 |  | 8123 |  | 5265 |
| Provision for credit losses |  | 1003 |  | 344 |  | 84 |  | 1575 |  | 125 |
| Tax effect included in Adjusted Net Income |  | - |  | 4 |  | 36 |  | (2235) |  | 179 |
| **Adjusted Pre-tax, Pre-provision Net Income (Non-GAAP)** | $ | 11020 | $ | 9833 | $ | 9380 | $ | 30102 | $ | 24869 |
| (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods |

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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 Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** |
| *(Dollars in thousands, except per share data)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** |
| **GAAP-Based Earnings Per Share, Basic** | **$** | **0.21** | **$** | **0.20** | **$** | **0.19** | **$** | **0.82** | **$** | **0.50** |
| **GAAP-Based Earnings Per Share, Diluted** | **$** | **0.21** | **$** | **0.20** | **$** | **0.19** | **$** | **0.82** | **$** | **0.50** |
| Net Income | $| 7839 | $| 7387 | $| 7095 | $| 30569 | $| 18625 |
| 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 |  |  |  | 16 |  | 171 |  | 57 |  | 858 |
| Tax effect<sup>(1)</sup> |  |  |  | (4) |  | (36) |  | (13) |  | (180) |
| Net (gains) losses on sale of securities |  |  |  |  |  |  |  |  |  | (4) |
| Tax effect<sup>(1)</sup> |  |  |  |  |  |  |  |  |  | 1 |
| Adjusted Net Income (Non-GAAP) | $| 7839 | $| 7399 | $| 7230 | $| 22639 | $| 19300 |
| **Adjusted Earnings per Share, Basic (Non-GAAP)** | **$** | **0.21** | **$** | **0.20** | **$** | **0.20** | **$** | **0.61** | **$** | **0.52** |
| **Adjusted Earnings per Share, Diluted (Non-GAAP)** | **$** | **0.21** | **$** | **0.20** | **$** | **0.19** | **$** | **0.61** | **$** | **0.52** |
| (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods | (1) Tax effect was 22% for the three months ended September 30, 2025 and June 30, 2025, and nine months ended September 30, 2025, and 21% for all other periods |

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## Exhibit 99.2

![Slide 1](lnkb-ex99_2s1.jpg)

October 2025 THIRD QUARTER 2025 Nasdaq: LNKB ir.linkbancorp.com

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![Slide 2](lnkb-ex99_2s2.jpg)

IMPORTANT INFORMATION / DISCLAIMERS LINKBANCORP, Inc. (Nasdaq: LNKB) ("LINKBANCORP" or the "Company") is the parent company of LINKBANK (the "Bank"). On March 31, 2025, the Bank successfully completed the sale of its banking operations and branches in New Jersey, including related loans and deposits (the "Branch Sale"). The transaction involved the transfer of three branch locations, $87 million of deposits, and $105 million in loans. Under the terms of the purchase and assumption agreement, deposits were sold at a 7% premium and loans were sold at par, resulting in an after-tax gain, net of transaction costs, of $8.7 million. Financial data for the most recent quarter ("MRQ") and last twelve months ("LTM") is for periods ended September 30, 2025. Market-pricing data is as of October 24, 2025 (Source: S&P Capital IQ Pro). Forward looking statements: This presentation may contain 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. 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. Disclosures regarding non-GAAP financial information: To the extent that supplemental Company or Bank financial metrics presented herein are not financial measures under generally accepted accounting principles ("GAAP"), these non-GAAP metrics will be reconciled with comparable GAAP measures in the appendix to this presentation. Management may use non-GAAP measures in the analysis of the performance of the Company or the Bank, and they 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.

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![Slide 3](lnkb-ex99_2s3.jpg)

Organized in 2018 with acquisition and recapitalization of distressed Stonebridge Bank High quality talent, strong culture & relationship-oriented business model Core focus on organic growth and improving profitability through operating leverage LNKB FINANCIAL HIGHLIGHTS1 Total Assets $3.12 B Market Capitalization $262.1 M Total Loans $2.46 B Dividend Yield 4.29% Total Deposits $2.67 B Insider Ownership 31.4% ROA (MRQ, annualized) 1.04% ROE (MRQ, annualized) 10.33% ROTCE2 (MRQ, annualized) 13.85% 1 Company data as of most recent quarter 9/30/25 ("MRQ") end and market data as of October 24, 2025. 2 Refer to appendix for reconciliation of this non-GAAP financial measure to its comparable GAAP measures M&A HISTORY MID-ATLANTIC GROWTH FRANCHISE ACQUIROR BANK TARGET BANKS TRANSACTION ANNOUNCE DATE TRANSACTION CLOSE DATE TARGET TOTAL ASSETS AT ANNOUNCE 1. 6/26/2018 10/5/2018 $58 M 2. 12/10/2020 9/18/2021 $437 M 3. 2/22/2023 11/30/2023 $1.6 B LINKBANK is a premier Mid-Atlantic community bank, serving clients throughout central and southeast Pennsylvania, Maryland, Delaware and Virginia.

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![Slide 4](lnkb-ex99_2s4.jpg)

KRISTOFER PAUL - CFO \| LINKBANCORP 21 years of bank credit administration and portfolio management experience also includes Susquehanna Bank, Sovereign Bank, and Waypoint Financial Experience in development and maintenance of commercial loan portfolios for more than 6 M&A transactions Named to Next 2021: Most Powerful Women in Banking by American Banker magazine TIFFANIE HORTON - Chief Credit Officer \| LINKBANCORP Long track record of industry success Been involved in M&A of more than 10 companies with aggregate deal value surpassing $1.5 billion Successfully transitioned private community banks to public companies on NASDAQ Demonstrated track record of value creation: Waypoint Financial (PA), Tower Bancorp (PA), Sunshine Bancorp (FL) CARL LUNDBLAD - President \| LINKBANCORP 28 years of banking, legal and other executive experience Extensive bank executive experience overseeing M&A, strategy development, regulatory and governance matters Strong transaction and value creation history, overseeing sales of Tower Bancorp and Susquehanna Bancshares BRENT SMITH - President \| LINKBANK Consistent leader in growth initiatives with 20 years of banking experience Been involved in 10+ M&A transactions with an aggregate deal value of nearly $1 billion Led on transformational acquisitions, private placements, debt issuances and branch acquisitions DEE BONORA - Chief Operations and Technology Officer \| LINKBANCORP 20+ YEAR HISTORY OF WORKING TOGETHER IN THE MID ATLANTIC REGION 22 years of banking and financial services industry experience Oversaw financial reporting and accounting of various public companies, including Hersha Hospitality Trust and Tower Bancorp Involved in transactions totaling over $800M SEASONED EXECUTIVE TEAM Strong background in bank operations, data management and systems architecture Record of value creation through efficiencies, bringing a wealth of technology and software engineering experience 30 years of technology experience in highly regulated industries also includes Orrstown Bank and Rite Aid Corp ANDREW SAMUEL - CEO \| LINKBANCORP & LINKBANK CATE EISEL - Chief Risk Officer \| LINKBANK Over 10 years of risk management experience Served in a variety of roles with the FDIC including financial institution examiner, senior bank examination training specialist and supervisory training administrator

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![Slide 5](lnkb-ex99_2s5.jpg)

OUR KEY ACCOMPLISHMENTS GROWTH IN TOTAL ASSETS ($ IN MILLIONS) 2018 - 2019 2020 2022 2021 2023 GNBF merger 2018 Closed acquisition of Stonebridge Bank - Total assets were $83.7 million JAN 2019 Completed $45.5 million common stock private placement FALL 2020 Raised $5.0 million common stock private placement and issued $20.0 million in subordinated debt SEPT 2021 Completed merger with GNBF 2021 YEAR END Total assets at Dec 31, 2021 were $932.8 million and the Company achieved $788,000 in quarterly net income SEPT 2022 Completed Initial Public Offering, raising net proceeds of $34.7 million APRIL 2022 Completed a $20.0 million sub debt capital raise JAN 2022 Hired Regional Presidents for the York/Lancaster & Delaware Valley Regions DEC 2020 Crossed over $400 million in total assets 2020 YEAR END Announced our strategic merger with GNBF YTD 20251 FEB 2023 Announced transformational merger with PTRS FEB 2023 Raised $10.0 million common stock private placement PTRS merger NOV 2023 Completed merger with PTRS 1 Measured as of September 30, 2025 2024 MAY 2024 Announced sale of New Jersey operations JUNE 2024 Consolidated 3 Client Solutions Centers 2024 YEAR END Achieved $26.2 million in annual net income and a return on assets of 0.94% March 2025 Completed sale of New Jersey operations resulting in an after tax, net of transaction fees, gain of $8.7 million September 2025 Crossed over $3 billion in total assets

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![Slide 6](lnkb-ex99_2s6.jpg)

Central to the LINKBANCORP culture and brand are the core "L-I-N-K" values, which support the mission of positively impacting lives. In pursuit of the mission, LINKBANCORP: Invests in the development of strong future leaders for the banking industry and our communities Contributes to economically and socially flourishing communities Seeks to demonstrate the continued viability of and integral role of community banking for our economic and social development Our well-defined brand reflects a purpose-driven, entrepreneurial and relational organization that is highly responsive to client needs and attracts best-in-class bank professionals. Our focus on culture and brand supports: Enhanced productivity Lower employee turnover Consistent brand experience High customer loyalty DIFFERENTIATED BRAND & CULTURE The LINKBANCORP corporate culture is a differentiating factor in the Company's demonstrated growth and ability to gain market share.

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![Slide 7](lnkb-ex99_2s7.jpg)

MARKET FOCUS: PENNSYLVANIA BRENT SMITH Market Leader &LINKBANK President Joined LINKBANK at its 2018 inception. More than 15 years of Pennsylvania banking experience and two decades in the industry. Eight Pennsylvania client solution centers and two loan production offices to service our valued clients. High-growth regions, such as the Delaware Valley suburbs of Philadelphia, complement stable, diverse Central Pennsylvania communities. Highly experienced middle-market commercial lending and underwriting teams manage a growing portfolio, with particular strength in serving multi-generational businesses and entrepreneurs in a wide range of industries, professional services firms, health care providers, and commercial real estate owners and operators. 1 Does not include brokered deposits or professional services deposits. 2 Does not include purchase accounting. Market includes the following counties: Cumberland, Dauphin, Schuylkill, Chester, Lancaster, Northumberland and York.

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![Slide 8](lnkb-ex99_2s8.jpg)

MARKET FOCUS: MARYLAND & DELAWARE JOHN BREDA Maryland & Delaware Market CEO Joined LINKBANK through merger with Partners, where he served as President & CEO, including its subsidiary The Bank of Delmarva. More than 30 years of Maryland and Delaware banking experience and 39 years of industry experience. Twelve Maryland and Delaware client solution centers and one loan production office. High-growth regions, including the Central Maryland Baltimore-Washington corridor and Annapolis, complement Delmar Peninsula communities. Highly experienced middle-market commercial lending and underwriting teams manage a growing portfolio, with particular strength in tourism, real estate development, hospitality and small family-owned businesses. Market includes the following counties: Sussex, Wicomico, Charles, Worcester, and Anne Arundel 8 1 Does not include brokered deposits or professional services deposits. 2 Does not include purchase accounting.

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![Slide 9](lnkb-ex99_2s9.jpg)

MARKET FOCUS: VIRGINIA ADAM NALLS Virginia Market CEO DAVID TALEBIAN Virginia Market President LOANS\* Four Virginia client solution centers High-growth regions, including Fairfax County and the Washington metropolitan area of Northern Virginia, complement growing, diverse Fredericksburg-area communities. Highly experienced middle-market commercial lending and underwriting teams manage a growing portfolio, with particular strength in government contracting, professional services, industry, medical, and technology. DEPOSITS Joined LINKBANK through the merger with Partners subsidiary Virginia Partners Bank. They each have more than 15 years of Virginia banking experience and almost two decades in the industry. Market includes the following counties: Fredericksburg (City), Spotsylvania and Fairfax 1 Does not include brokered deposits or professional services deposits. 2 Does not include purchase accounting.

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![Slide 10](lnkb-ex99_2s10.jpg)

EXECUTING ESTABLISHED STRATEGY TO MAINTAIN A BRANCH-LITE MODEL THAT TAKES FULL ADVANTAGE OF: LINKBANCORP's organic growth engine, strategically located regional Client Solutions Centers with no teller lines and 3-4 FTEs supported by innovative technology. AT THE END OF Q3 2025, LINKBANCORP: Maintained 24 client solutions centers, following the opening of a full-service client solutions center in Annapolis, MD in February of 2025, enhancing growth initiatives and capabilities in Central Maryland. Completed the sale of New Jersey operations at the end of Q1 2025, including three branches and associated loans and deposits. ONGOING, LINKBANCORP INTENDS TO: Continuously evaluate its retail operations for opportunities to leverage andoptimize efficiencies while maintaining its commitment to providing exceptional service to the customers and communities it serves. Target average deposits per client solutions center of greater than $120 million. EXECUTING A BRANCH-LITE STRATEGY +

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![Slide 11](lnkb-ex99_2s11.jpg)

THIRD QUARTER 2025 HIGHLIGHTS2 Net income equaled $7.84 million with adjusted pre-tax pre-provision net income of $11.02 million1. Annualized return on assets and return on tangible common equity were 1.04% and 13.85%1, respectively, for the third quarter. Tangible book value increased from $5.921 at June 30, 2025 to $6.151 at September 30, 2025 with book value per share increasing from $7.96 to $8.16, respectively. Total deposits were $2.67 billion at September 30, 2025 compared to $2.46 billion at June 30, 2025, representing an increase of $211.7 million. Average deposits also increased $159.4 million quarter over quarter to $2.50 billion for the quarter ended September 30, 2025. Total loans increased $100.4 million (16.90% annualized) over the quarter to $2.46 billion at September 30, 2025 compared to $2.36 billion at June 30, 2025. BALANCE SHEET INCOME STATEMENT $26.4 million in net interest income Noninterest income of $2.8 million Net income of $7.84 million Earnings per diluted share of $0.21 THIRD QUARTER 2025 $3.12 billion total assets $25.3 million allowance for credit losses on loans Total shareholders' equity of $305.5 million 3.75% Net Interest Margin 1.04% Return on Assets 10.33% Return on Equity 13.85% Return on Tangible Common Equity1 $8.16 $6.15 BVPS TBVPS1 $0.21 Earnings per Diluted Share 1 See appendix for reconciliation of this non-GAAP financial measure to its comparable GAAP measure. 2 Balance Sheet comparison between September 30, 2025 and June 30, 2025 and comparisons between Q3 2025 and Q2 2025.

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![Slide 12](lnkb-ex99_2s12.jpg)

1 See appendix for reconciliation of this non-GAAP financial measure to its comparable GAAP measure. REVENUE & EARNINGS THIRD QUARTER 2025 Net Interest Income $26.4 million Net Income $7.84 million Noninterest Income $2.8 million Diluted EPS $0.21 GAAP Comparisons Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Net Income ($000s) 7,095 7,584 15,343 7,387 7,839 Diluted EPS ($) 0.19 0.20 0.41 0.20 0.21

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THIRD QUARTER 2025 HIGHLIGHTS1 Net interest margin was 3.75% for the third quarter of 2025 compared to 3.80% for the second quarter of 2025. Net interest margin was impacted by strong growth in core deposits and timing on loan fundings, resulting in higher average cash for the quarter ending September 30, 2025. Yield on loans increased from 6.22% for second quarter of 2025 compared to 6.26% for the third quarter of 2025 while cost of deposits increased to 2.17% for the third quarter of 2025 compared to 2.14% for the second quarter of 2025. Interest income from purchase accounting accretion for the third quarter of 2025 was $71 thousand more than that recognized in the second quarter of 2025 and $636 thousand less than the third quarter of 2024. NET INTEREST MARGIN 1 Comparisons between Q3 2025 and Q2 2025

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Noninterest income was $2.8 million in the third quarter of 2025 compared to $2.9 million in the second quarter of 2025, and $2.7 million in the third quarter of 2024. Noninterest income for Q1 2025 included a pre-tax gain of $11.1 million from the Branch Sale. Decrease in other noninterest income at September 30, 2025 compared to June 30, 2025 is primarily related to a small decrease in swap fee income. NONINTEREST INCOME 1 Excludes the pre-tax gain of $11.1 million from the Branch Sale in Q1 2025.

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Noninterest expense was stable at $18.2 million in the third quarter of 2025 compared to $18.1 million in the second quarter of 2025. The incremental increase was primarily associated with an increase in health insurance costs. The efficiency ratio continues to decrease from 64.79% for the second quarter of 2025 to 62.25% for the third quarter of 2025. Disciplined expense management combined with strong asset growth led to a significant decrease in adjusted noninterest expense to average assets of 2.42% in the third quarter of 2025 compared to 2.57% in the second quarter of 2025. NONINTEREST EXPENSE 1 See appendix for reconciliation of this non-GAAP financial measure to its comparable GAAP measure. 1 1

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THIRD QUARTER 2025 DEPOSIT TRENDS 24.0% of total deposits are noninterest bearing deposits. Total deposits were $2.67 billion at September 30, 2025 compared to $2.46 billion at June 30, 2025. Year-to-date, total deposits have increased $329.66 million1 or 18.75% annualized, adjusting for the impact of the Branch Sale and change in brokered deposits. Brokered deposits were $75.0 million at September 30, 2025 and June 30, 2025 compared to $103.6 million at December 31, 2024. The strong deposit growth has enabled the Company to fund loan growth with core deposits. VALUABLE CORE DEPOSIT FRANCHISE 2 Excludes deposits held for sale at December 31, 2024. 1 See Appendix for Reconciliation to Total Deposit growth adjusting for the Branch Sale and change in brokered deposits. NEARLY 50% OF TOTAL DEPOSITS HELD IN DEMAND (CHECKING) ACCOUNTS PTRS merger

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THIRD QUARTER 2025 LOAN PORTFOLIO TRENDS Average yield on loans of 6.26%, inclusive of purchase accounting. Loan growth had exceptional contribution from all core markets (PA, MD, and VA). Total commercial loan commitments for the third quarter of 2025 were $235.9 million with funded balances of $177.4 million. Average commercial loan commitment originated during the third quarter of 2025 totaled approximately $1.2 million with the average outstanding funded balance of $924 thousand. IN-MARKET, WELL-BALANCED LOAN PORTFOLIO (2) Does not include purchase accounting. REAL ESTATE PORTFOLIO: Well-balance real estate portfolio with no significant concentrations. Total office is approximately 9% of the entire loan portfolio. Approximately 82% of the office portfolio has personal guarantees. Typical property types are small office buildings in non-urban markets within the Bank's footprint. (1) Includes consumer, agriculture, municipal, and other. 1

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ASSET QUALITY 1 Charge offs at June 30, 2025 do not include the impact of a settlement of a purchase credit deteriorated loan 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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Committed to a quarterly dividend of $0.075 per share of common stock through the merger with GNB Financial in 2021 Capital ratios anticipated to increase with earnings growth trajectory $193.9 million cash & cash equivalents at September 30, 2025 Total available funding of $1.44 billion at September 30, 2025 CAPITAL MANAGEMENT AND LIQUIDITY \*Wholesale deposit capacity is calculated as 10% of total deposits, less current outstanding brokered 1 See appendix for reconciliation of this non-GAAP financial measure to its comparable GAAP measure. 1

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Targeted loan growth of 9% – 11% for 2025, excluding impact of the Branch Sale Self-funding loan growth with organic deposit growth, with a targeted loan to deposit ratio of 90% - 95% Net Interest Margin expectation 3.80% - 3.85% for the full year 2025 Expecting 1.05% core operating ROA for full year 2025 (excluding impact of the Branch Sale) Targeting noninterest expense to average assets of 2.50% - 2.55% for full year 2025 Assume effective tax rate of 22% 2025 OUTLOOK

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Strong alignment with shareholder returns – 31.4% insider ownership Disciplined underwriting & robust enterprise risk management Highly opportunistic M&A strategy with disciplined acquisition criteria Nimble and innovative tech operating platform focused on modular architecture and cloud-based infrastructure Focused organic growth strategy, uniquely positioned in the attractive and coveted mid-Atlantic market (Harrisburg > Philadelphia > Baltimore > D.C. corridor) Seasoned executive team, led by Andrew Samuel, has significant experience and success with building, operating and creating shareholder value in the markets of focus Strong funding franchise coupled with best-in-class loan growth engine implementing a branch-lite model INVESTMENT RATIONALE

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THANK YOU!

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CONTACT US: NICK WEST Director, Corporate Development IR@linkbancorp.com \| (717) 678-7935

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APPENDIX

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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NON-GAAP RECONCILIATION

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LOAN & DEPOSIT GROWTH RECONCILIATION

### Attached PDF Documents

**Attachment 1:** `lnkb-ex99_2.pdf`

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