¹ See Appendix A – Reconciliation to Non-GAAP Financial Measures for the computation of this non-GAAP measure.

²See Loan and Deposit Tables for total loan and deposit growth reconciliations.

¹ See Appendix A – Reconciliation to Non-GAAP Financial Measures for the computation of this Non-GAAP measure.

¹ See Appendix A – Reconciliation to Non-GAAP Financial Measures for the computation of this Non-GAAP measure.

²See Loan and Deposit Tables for total loan and deposit growth reconciliations.

¹ See Appendix A – Reconciliation to Non-GAAP Financial Measures for the computation of this Non-GAAP measure.

LINKBANCORP, Inc. and Subsidiaries

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

Noninterest-bearing cash equivalents

$ 15,321

$ 15,319

$ 14,830

$ 13,834

$ 15,295

Interest-bearing deposits with other institutions

178,832

139,764

205,352

152,266

175,937

Cash and cash equivalents

194,153

155,083

220,182

166,100

191,232

Securities available for sale, at fair value

267,930

169,569

159,183

145,590

149,315

Securities held to maturity, net of allowance for credit losses

26,595

26,809

27,662

31,508

34,155

Loans receivable, gross

2,456,977

2,356,609

2,273,941

2,255,749

2,215,868

Allowance for credit losses - loans

(25,342)

(24,651)

(26,619)

(26,435)

(26,542)

Loans receivable, net

2,431,635

2,331,958

2,247,322

2,229,314

2,189,326

Investments in restricted bank stock

4,791

4,821

4,780

5,209

4,904

Premises and equipment, net

15,822

15,861

17,920

18,029

17,623

Right-of-Use Asset – premises

15,632

15,410

14,537

14,913

14,150

Bank-owned life insurance

53,263

52,943

52,507

52,079

51,646

Goodwill and other intangible assets

75,213

76,296

77,379

79,761

80,924

Deferred tax asset

15,925

16,474

16,729

18,866

21,662

Assets held for sale

-

-

-

94,146

104,660

Accrued interest receivable and other assets

22,334

21,330

23,288

23,263

20,344

TOTAL ASSETS

$ 3,123,293

$ 2,886,554

$ 2,861,489

$ 2,878,778

$ 2,879,941

LIABILITIES

Deposits:

Demand, noninterest bearing

$ 640,100

$ 646,654

$ 646,002

$ 658,646

$ 658,473

Interest bearing

2,027,999

1,809,755

1,787,692

1,701,936

1,714,179

Total deposits

2,668,099

2,456,409

2,433,694

2,360,582

2,372,652

Long-term borrowings

40,000

40,000

40,000

40,000

40,000

Short-term borrowings

-

-

-

10,000

-

Note payable

-

-

559

565

572

Subordinated debt

62,255

62,279

62,129

61,984

61,843

Lease liabilities

15,965

15,740

15,284

15,666

14,911

Liabilities held for sale

-

-

-

93,777

94,228

Accrued interest payable and other liabilities

31,517

14,128

15,757

15,983

18,382

TOTAL LIABILITIES

2,817,836

2,588,556

2,567,423

2,598,557

2,602,588

SHAREHOLDERS' EQUITY

Preferred stock

-

-

-

-

-

Common stock

370

370

370

370

370

Surplus

265,637

265,293

264,871

264,449

264,059

Retained earnings

42,157

37,107

32,507

19,947

15,147

Accumulated other comprehensive loss

(2,707)

(4,772)

(3,682)

(4,545)

(2,223)

TOTAL SHAREHOLDERS' EQUITY

305,457

297,998

294,066

280,221

277,353

TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY

$ 3,123,293

$ 2,886,554

$ 2,861,489

$ 2,878,778

$ 2,879,941

Common shares outstanding

37,447,026

37,441,879

37,377,342

37,370,917

37,361,560

LINKBANCORP, Inc. and Subsidiaries

Consolidated Statements of Operations (Unaudited)

Three 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

Loans receivable, including fees

$ 37,755

$ 36,032

$ 36,856

$ 110,828

$ 109,093

Other

4,269

3,294

3,338

10,664

9,325

Total interest and dividend income

42,024

39,326

40,194

121,492

118,418

INTEREST EXPENSE

Deposits

13,677

12,467

13,292

38,501

38,210

Other Borrowings

950

931

949

2,867

2,967

Subordinated Debt

1,011

979

972

2,958

2,892

Total interest expense

15,638

14,377

15,213

44,326

44,069

NET INTEREST INCOME BEFORE
PROVISION FOR CREDIT LOSSES

26,386

24,949

24,981

77,166

74,349

Provision for credit losses

1,003

344

84

1,575

125

NET INTEREST INCOME AFTER
PROVISION FOR CREDIT LOSSES

25,383

24,605

24,897

75,591

74,224

NONINTEREST INCOME

Service charges on deposit accounts

1,120

1,056

1,052

3,237

2,697

Bank-owned life insurance

463

436

430

1,327

1,199

Net realized gains (losses) on the sale of debt securities

-

-

-

-

4

Gain on sale of loans

156

128

138

361

200

Gain on sale of branches

-

-

-

11,093

-

Other

1,066

1,313

1,060

2,977

2,167

Total noninterest income

2,805

2,933

2,680

18,995

6,267

NONINTEREST EXPENSE

Salaries and employee benefits

10,513

10,252

9,855

31,921

30,914

Occupancy

1,356

1,308

1,440

4,128

4,577

Equipment and data processing

2,063

2,052

1,640

6,158

5,290

Professional fees

593

728

763

1,808

2,299

FDIC insurance and supervisory fees

439

537

812

1,575

1,709

Intangible amortization

1,083

1,083

1,205

3,250

3,615

Merger & restructuring expenses

-

16

171

57

858

Advertising

128

176

163

448

505

Other

1,996

1,913

2,403

6,549

6,834

Total noninterest expense

18,171

18,065

18,452

55,894

56,601

Income before income tax expense

10,017

9,473

9,125

38,692

23,890

Income tax expense

2,178

2,086

2,030

8,123

5,265

NET INCOME

$ 7,839

$ 7,387

$ 7,095

$ 30,569

$ 18,625

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
OUTSTANDING,

BASIC

37,192,313

37,136,851

36,983,637

37,146,280

36,972,127

DILUTED

37,335,646

37,244,008

37,090,111

37,257,831

37,061,512

LINKBANCORP, Inc. and Subsidiaries

Financial Highlights (Unaudited)

For the Three 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

$ 7,839

$ 7,387

$ 7,095

$ 30,569

$ 18,625

Net Interest Income

26,386

24,949

24,981

77,166

74,349

Provision for Credit Losses

1,003

344

84

1,575

125

Non-Interest Income

2,805

2,933

2,680

18,995

6,267

Non-Interest Expense

18,171

18,065

18,452

55,894

56,601

Earnings per Share, Basic

0.21

0.20

0.19

0.82

0.50

Adjusted Earnings per Share, Basic ⁽²⁾

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 ⁽²⁾

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 ROA²

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 ROE²

10.33 %

10.06 %

10.50 %

10.32 %

9.53 %

Efficiency Ratio

62.25 %

64.79 %

66.71 %

58.13 %

70.21 %

Adjusted Efficiency Ratio³

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

$ 3,123,293

$ 2,886,554

$ 2,861,489

$ 2,878,778

$ 2,879,941

Loans Receivable, Net

2,431,635

2,331,958

2,247,322

2,229,314

2,189,326

Noninterest-bearing Deposits

640,100

646,654

646,002

658,646

658,473

Interest-bearing Deposits

2,027,999

1,809,755

1,787,692

1,701,936

1,714,179

Total Deposits

$ 2,668,099

$ 2,456,409

$ 2,433,694

$ 2,360,582

$ 2,372,652

Selected Balance Sheet Ratios

Total Capital Ratio¹

12.31 %

12.43 %

12.61 %

11.55 %

11.44 %

Tier 1 Capital Ratio¹

11.39 %

11.51 %

11.71 %

10.74 %

10.62 %

Common Equity Tier 1 Capital Ratio¹

11.39 %

11.51 %

11.71 %

10.74 %

10.62 %

Leverage Ratio¹

9.95 %

10.34 %

10.02 %

9.49 %

9.41 %

Tangible Common Equity to Tangible Assets⁴

7.55 %

7.89 %

7.78 %

7.16 %

7.02 %

Tangible Book Value per Share⁵

$ 6.15

$ 5.92

$ 5.80

$ 5.36

$ 5.26

Asset Quality Data

Non-performing Assets

$ 24,627

$ 21,877

$ 26,041

$ 17,173

$ 17,378

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")

$ 25,342

$ 24,651

$ 26,619

$ 26,435

$ 26,542

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)⁽⁶⁾

$ 300

$ 40

$ 81

$ 252

$ (28)

(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.

(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.

LINKBANCORP, Inc. and Subsidiaries

Net Interest Margin - Quarter-To-Date (Unaudited)

For the Three Months Ended September 30,

2025

2024

(Dollars in thousands)

Avg Bal

Interest ⁽²⁾

Yield/Rate

Avg Bal

Interest ⁽²⁾

Yield/Rate

Int. Earn. Cash

$ 190,584

$ 1,893

3.94 %

$ 114,383

$ 1,296

4.51 %

Securities

Taxable ⁽¹⁾

162,865

2,089

5.09 %

133,443

1,683

5.02 %

Tax-Exempt

42,763

363

3.37 %

42,800

453

4.21 %

Total Securities

205,628

2,452

4.73 %

176,243

2,136

4.82 %

Total Cash Equiv. and Investments

396,212

4,345

4.35 %

290,626

3,432

4.70 %

Total Loans ⁽³⁾

2,393,119

37,755

6.26 %

2,313,228

36,856

6.34 %

Total Earning Assets

2,789,331

42,100

5.99 %

2,603,854

40,288

6.16 %

Other Assets

194,442

208,407

Total Assets

$ 2,983,773

$ 2,812,261

Interest bearing demand

$ 592,572

3,498

2.34 %

$ 497,100

2,902

2.32 %

Money market demand

635,450

3,985

2.49 %

580,766

3,396

2.33 %

Time deposits

623,505

6,194

3.94 %

613,402

6,993

4.54 %

Total Borrowings

153,493

1,961

5.07 %

153,699

1,922

4.97 %

Total Interest-Bearing Liabilities

2,005,020

15,638

3.09 %

1,844,967

15,213

3.28 %

Non Interest-Bearing Deposits

646,608

659,825

Total Cost of Funds

2,651,628

15,638

2.34 %

2,504,792

15,213

2.42 %

Other Liabilities

31,044

33,534

Total Liabilities

2,682,672

2,538,326

Shareholders' Equity

301,101

273,935

Total Liabilities & Shareholders' Equity

$ 2,983,773

$ 2,812,261

Net Interest Income/Spread (FTE)

26,462

2.90 %

25,075

2.88 %

Tax-Equivalent Basis Adjustment

(76)

(94)

Net Interest Income

$ 26,386

$ 24,981

Net Interest Margin

3.75 %

3.82 %

⁽¹⁾ Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks.

⁽²⁾ Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table

⁽³⁾ Includes the balances of nonaccrual loans

LINKBANCORP, Inc. and Subsidiaries

Net Interest Margin - Linked Quarter-To-Date (Unaudited)

For the Three Months Ended

September 30, 2025

June 30, 2025

(Dollars in thousands)

Avg Bal

Interest ⁽²⁾

Yield/Rate

Avg Bal

Interest ⁽²⁾

Yield/Rate

Int. Earn. Cash

$ 190,584

$ 1,893

3.94 %

$ 114,315

$ 1,097

3.85 %

Securities

Taxable ⁽¹⁾

162,865

2,089

5.09 %

152,185

1,819

4.79 %

Tax-Exempt

42,763

363

3.37 %

42,688

478

4.49 %

Total Securities

205,628

2,452

4.73 %

194,873

2,297

4.73 %

Total Cash Equiv. and Investments

396,212

4,345

4.35 %

309,188

3,394

4.40 %

Total Loans ⁽³⁾

2,393,119

37,755

6.26 %

2,324,897

36,032

6.22 %

Total Earning Assets

2,789,331

42,100

5.99 %

2,634,085

39,426

6.00 %

Other Assets

194,442

183,156

Total Assets

$ 2,983,773

$ 2,817,241

Interest bearing demand

$ 592,572

3,498

2.34 %

$ 547,177

3,207

2.35 %

Money market demand

635,450

3,985

2.49 %

553,294

3,099

2.25 %

Time deposits

623,505

6,194

3.94 %

609,322

6,161

4.06 %

Total Borrowings

153,493

1,961

5.07 %

152,668

1,910

5.02 %

Total Interest-Bearing Liabilities

2,005,020

15,638

3.09 %

1,862,461

14,377

3.10 %

Non Interest-Bearing Deposits

646,608

628,962

Total Cost of Funds

2,651,628

15,638

2.34 %

2,491,423

14,377

2.31 %

Other Liabilities

31,044

30,815

Total Liabilities

2,682,672

2,522,238

Shareholders' Equity

301,101

295,003

Total Liabilities & Shareholders' Equity

$ 2,983,773

$ 2,817,241

Net Interest Income/Spread (FTE)

26,462

2.90 %

25,049

2.90 %

Tax-Equivalent Basis Adjustment

(76)

(100)

Net Interest Income

$ 26,386

$ 24,949

Net Interest Margin

3.75 %

3.80 %

⁽¹⁾ Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks.

⁽²⁾ Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table

⁽³⁾ Includes the balances of nonaccrual loans

LINKBANCORP, Inc. and Subsidiaries

Net Interest Margin - Year-To-Date (Unaudited)

For the Nine Months Ended September 30,

2025

2024

(Dollars in thousands)

Avg Bal

Interest ⁽²⁾

Yield/Rate

Avg Bal

Interest ⁽²⁾

Yield/Rate

Int. Earn. Cash

$ 138,531

$ 3,962

3.82 %

$ 106,334

$ 3,590

4.51 %

Securities

Taxable ⁽¹⁾

155,818

5,657

4.85 %

125,264

4,666

4.98 %

Tax-Exempt

43,142

1,323

4.10 %

42,606

1,353

4.24 %

Total Securities

198,960

6,980

4.69 %

167,870

6,019

4.79 %

Total Cash Equiv. and Investments

337,491

10,942

4.33 %

274,204

9,609

4.68 %

Total Loans ⁽³⁾

2,360,524

110,828

6.28 %

2,279,378

109,093

6.39 %

Total Earning Assets

2,698,015

121,770

6.03 %

2,553,582

118,702

6.21 %

Other Assets

192,203

210,962

Total Assets

$ 2,890,218

$ 2,764,544

Interest bearing demand

$ 564,320

$ 9,753

2.31 %

$ 458,184

$ 7,301

2.13 %

Money market demand

584,401

10,021

2.29 %

582,998

9,841

2.25 %

Time deposits

623,723

18,727

4.01 %

621,881

21,068

4.53 %

Total Borrowings

151,403

5,825

5.14 %

147,557

5,859

5.30 %

Total Interest-Bearing Liabilities

1,923,847

44,326

3.08 %

1,810,620

44,069

3.25 %

Non Interest-Bearing Deposits

641,967

650,384

Total Cost of Funds

$ 2,565,814

$ 44,326

2.31 %

$ 2,461,004

$ 44,069

2.39 %

Other Liabilities

31,092

33,086

Total Liabilities

$ 2,596,906

$ 2,494,090

Shareholders' Equity

$ 293,312

$ 270,454

Total Liabilities & Shareholders' Equity

$ 2,890,218

$ 2,764,544

Net Interest Income/Spread (FTE)

77,444

2.95 %

74,633

2.96 %

Tax-Equivalent Basis Adjustment

(278)

(284)

Net Interest Income

$ 77,166

$ 74,349

Net Interest Margin

3.82 %

3.89 %

⁽¹⁾ Taxable income on securities includes income from available for sale securities and income from certificates of deposits with other banks.

⁽²⁾ Income stated on a tax equivalent basis which is a non-GAAP measure and reconciled to GAAP at the bottom of the table

⁽³⁾ Includes the balances of nonaccrual loans

LINKBANCORP, Inc. and Subsidiaries

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

$ 62,098

$ 61,996

$ 66,684

$ 67,741

$ 65,166

Construction loans

155,542

140,976

136,421

158,296

175,373

Commercial & industrial loans

266,765

259,877

257,302

252,163

241,597

Commercial real estate loans

Multifamily

236,534

231,469

215,916

217,331

212,444

Owner occupied

522,674

502,515

472,895

493,906

500,643

Non-owner occupied

730,740

681,521

645,793

658,615

626,030

Residential real estate loans

First liens

377,226

375,879

378,420

399,476

400,869

Second liens and lines of credit

84,395

81,194

79,905

78,410

73,591

Consumer and other loans

17,645

17,525

17,097

17,087

17,498

Municipal loans

2,816

2,917

3,012

3,886

4,296

2,456,435

2,355,869

2,273,445

2,346,911

2,317,507

Deferred costs

542

740

496

645

634

Total loans receivable

2,456,977

2,356,609

2,273,941

2,347,556

2,318,141

Less: Loans held for sale

-

-

-

91,807

102,273

Loans Held for Investment

$ 2,456,977

$ 2,356,609

$ 2,273,941

$ 2,255,749

$ 2,215,868

LINKBANCORP, Inc. and Subsidiaries

Loan Growth Calculation Excluding Branch Sale (Unaudited)

(In Thousands)

September 30,
2025

Total Loans at September 30, 2025

$ 2,456,977

Total Loans at December 31, 2024

2,347,556

Year-to-date Change

109,421

Net Book Value of Loans Sold

97,952

Loan Growth Excluding Branch Sale

207,373

Annualized Growth Rate

11.81 %

LINKBANCORP, Inc. and Subsidiaries

Investments in Securities Detail (Unaudited)

September 30, 2025

(In Thousands)

Amortized
Cost

Net
Unrealized Gains
(Losses)

Fair
Value

Available for Sale:

US Government Agency securities

$ 11,257

$ 322

$ 11,579

Obligations of state and political subdivisions

50,731

(2,761)

47,970

Mortgage-backed securities in government-sponsored entities

209,168

(1,120)

208,048

Other securities

341

(8)

333

$ 271,497

$ (3,567)

$ 267,930

Amortized
Cost

Net Unrealized Losses

Fair Value

Allowance for
Credit Losses

Held to Maturity:

Corporate debentures

$ 12,250

$ (651)

$ 11,599

$ (387)

Structured mortgage-backed securities

14,732

(307)

14,425

-

$ 26,982

$ (958)

$ 26,024

$ (387)

December 31, 2024

(In Thousands)

Amortized
Cost

Net
Unrealized Gains
(Losses)

Fair
Value

Available for Sale:

US Government Agency securities

$ 13,017

$ 56

$ 13,073

Obligations of state and political subdivisions

51,254

(4,053)

47,201

Mortgage-backed securities in government-sponsored entities

88,289

(3,506)

84,783

Other securities

542

(9)

533

$ 153,102

$ (7,512)

$ 145,590

Amortized
Cost

Net Unrealized Losses

Fair Value

Allowance for
Credit Losses

Held to Maturity:

Corporate debentures

$ 15,250

$ (984)

$ 14,266

$ (459)

Structured mortgage-backed securities

16,717

(699)

16,018

-

$ 31,967

$ (1,683)

$ 30,284

$ (459)

LINKBANCORP, Inc. and Subsidiaries

Deposits Detail (Unaudited)

(In Thousands)

September 30, 2025

June 30, 2025

March 31, 2025

December 31, 2024

September 30, 2024

Demand, noninterest-bearing

$ 640,100

$ 646,654

$ 646,002

$ 686,510

$ 687,536

Demand, interest-bearing

677,496

576,050

577,170

537,546

547,099

Money market and savings

656,727

580,143

553,240

553,807

585,395

Time deposits, $250 and over

201,648

177,897

166,441

167,165

169,616

Time deposits, other

417,128

400,665

387,226

405,493

401,976

Brokered deposits

75,000

75,000

103,615

103,615

75,000

2,668,099

2,456,409

2,433,694

2,454,136

2,466,622

Less: Deposits held for sale

-

-

-

93,554

93,970

Total deposits

$ 2,668,099

$ 2,456,409

$ 2,433,694

$ 2,360,582

$ 2,372,652

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

$ 646,608

$ 628,962

$ 649,440

$ 665,276

$ 659,825

Demand, interest-bearing

592,572

547,177

545,475

537,856

497,100

Money market and savings

635,450

553,294

555,663

567,593

580,766

Time deposits

599,048

575,205

576,366

568,615

560,815

Brokered deposits

24,457

34,117

56,283

38,616

52,587

Total deposits

$ 2,498,135

$ 2,338,755

$ 2,383,227

$ 2,377,956

$ 2,351,093

Balances in table above include deposits held for sale for the three months ended December 31, 2024 and September 30, 2024.

LINKBANCORP, Inc. and Subsidiaries

Total Deposit Growth Calculation Adjusting for Branch Sale and Change in Brokered Deposits (Unaudited)

(In Thousands)

September 30, 2025

Total Deposits at September 30, 2025

$ 2,668,099

Less: Brokered Deposits at September 30, 2025

(75,000)

Total Core Deposits at September 30, 2025

$ 2,593,099

Total Deposits at December 31, 2024

$ 2,454,136

Less: Brokered Deposits at December 31, 2024

(103,615)

Total Core Deposits at December 31, 2024

$ 2,350,521

Year-to-date Change in Core Deposits

242,578

Net Book Value of Deposits Sold

87,086

Quarterly Deposit Growth Excluding Branch Sale

329,664

Annualized Growth Rate

18.75 %

Adjusted Return on Average Assets

For the Three 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

Net income

$ 7,839

$ 7,387

$ 7,095

$ 30,569

$ 18,625

Average assets

2,983,773

2,817,241

2,812,261

2,890,218

2,764,544

Return on average assets (annualized)

1.04 %

1.05 %

1.00 %

1.41 %

0.90 %

Net income

$ 7,839

$ 7,387

$ 7,095

30,569

18,625

Gain on sale of branches

-

-

-

(11,093)

-

Tax effect⁽¹⁾

-

-

-

2,440

-

Transaction bonus accrual

-

-

-

490

-

Tax effect⁽¹⁾

-

-

-

(108)

-

Board restructuring accrual

-

-

-

381

-

Tax effect⁽¹⁾