LINKBANK (merged into Burke & Herbert Bank & Trust Company)
LINKBANK reported total assets of $3.1 bn at Q1 2026, its last Call Report before it merged into Burke & Herbert Bank & Trust Company. The CET1 capital ratio at LINKBANK was 11.08%, and the uninsured share of LINKBANK was 38.85%. Source: FDIC Call Reports.
Key takeaways
- Since , LINKBANK has taken over 3 institutions; the latest was Virginia Partners Bank on (FDIC Call Reports).
What sets LINKBANK apart
How large is LINKBANK?
The balance sheet of LINKBANK at : assets $3.1 bn, deposits $2.6 bn, net loans $2.5 bn (loans equal to 98.86% of deposits). Securities make up 8.8% of total assets at LINKBANK. Since , when LINKBANK held $295.9 mn, its assets grew 953.6%. In the year to , deposits at LINKBANK rose 5.5% while its total assets rose 9.0%. At , LINKBANK employed 311 full-time equivalent staff across 20 offices, about $10.0 mn of assets per employee and $128.5 mn of deposits per office.
How much funding at LINKBANK is uninsured?
At LINKBANK, uninsured deposits (above the FDIC limit) made up 38.85% of domestic deposits at (+4.33 pp on a year earlier). In dollars, LINKBANK estimated $998.2 mn of uninsured deposits.
Key facts, Q1 2026
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | $2.4 bn (Q1 2025) | |
| Net loans and leases | $2.5 bn | $2.2 bn (Q1 2025) | |
| Loan-to-deposit ratio | 98.86% | 92.29% (Q1 2025) | |
| Tier 1 leverage ratio | 9.71% | 10.02% (Q1 2025) | |
| Total risk-based capital ratio | 12.13% | 12.61% (Q1 2025) | |
| Net interest margin | 3.92% | 4.09% (Q1 2025) | |
| Return on assets (ROA) | 0.92% | 2.30% (Q1 2025) | |
| Efficiency ratio | 63.61% | 45.17% (Q1 2025) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $730,000 | Narrowed by $590,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $5.1 mn | Narrowed by $374,000 | |
| Noncurrent loans to total loans | 0.84% | 1.15% (Q1 2025) | |
| Net charge-offs to average loans | 0.78% | 0.01% (Q1 2025) |
US rank of LINKBANK: 1 = highest unless marked 1 = lowest.
Balance sheet
LINKBANK: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.6bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of LINKBANK stood at 11.08% in , -0.63 pp year on year. Low and high at LINKBANK since : 9.92% () to 13.76% (). Equity capital of LINKBANK at : $360.6 mn, or 11.6% of total assets. LINKBANK also reported a total capital ratio of 12.13% for , and a tier 1 leverage ratio of 9.71%.
On held-to-maturity securities, LINKBANK carried an unrealized loss of $730,000 at , equal to 0.2% of equity capital. The loss narrowed by $590,000 over the year. Its deepest point: $3.2 mn in . The available-for-sale portfolio of LINKBANK showed an unrealized loss of $5.1 mn at ; the loss narrowed by $374,000 over the year.
LINKBANK: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.7%
LINKBANK: unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity -$730,000
Profitability and loan quality
For the year to , LINKBANK earned a return on equity of 7.93%; return on assets: 0.92%. Net interest margin at LINKBANK: 3.92%, -0.17 pp in a year. LINKBANK net income: $7.1 mn, down 56.8% year on year. The efficiency ratio of LINKBANK was 63.61%: about 64 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.84% of total loans at LINKBANK; net charge-offs: 0.78% of average loans. Gross loans and leases at LINKBANK: $2.6 bn at , against $2.3 bn at .
LINKBANK: profitability
- Return on equity 7.9%
- Net interest margin 3.9%
- Return on assets 0.9%
Peer group of LINKBANK
The peer group of LINKBANK is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of LINKBANK (state nonmember bank) and 0 have head offices in Pennsylvania. Against them, LINKBANK shows CET1 ratio 11.08% against a peer median of 12.89%, return on equity 7.93% against a peer median of 11.52% and uninsured deposit share 38.85% against a peer median of 33.41%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank of Guam | State nonmember bank | GU | $3.1 bn | 14.29% | 9.86% | 98.32% | |
| Oakstar Bank | State member bank | MO | $3.1 bn | not reported | 14.37% | 20.50% | |
| The National Bank of Indianapolis | National bank | IN | $3.1 bn | 11.36% | 16.57% | 61.70% | |
| LINKBANK | State nonmember bank | PA | $3.1 bn | 11.08% | 7.93% | 38.85% | |
| Quad City Bank and Trust Company | State member bank | IA | $3.1 bn | 12.89% | 12.65% | 38.27% | |
| Lawrence Bank | State nonmember bank | TN | $3.1 bn | 12.89% | 10.39% | 27.95% | |
| BankNewport | State member bank | RI | $3.1 bn | 12.76% | 5.27% | 28.55% | |
. FDIC Call Reports.
Last eight quarters
Two years at LINKBANK, to : assets $2.9 bn to $3.1 bn, deposits $2.5 bn to $2.6 bn, equity $322.2 mn to $360.6 mn. Staff 343 to 311; offices 17 to 20.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $3.1 bn | $3.1 bn | $3.1 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.5 bn | $2.4 bn | $2.5 bn | $2.7 bn | $2.6 bn | $2.6 bn |
| Bank equity capital | $322.2 mn | $331.8 mn | $334.4 mn | $348.1 mn | $351.5 mn | $358.5 mn | $358.9 mn | $360.6 mn |
| CET1 ratio | 10.30% | 10.62% | 10.74% | 11.71% | 11.51% | 11.39% | 10.98% | 11.08% |
| Return on equity (ROE) | 8.61% | 9.02% | 9.36% | 19.34% | 14.48% | 12.94% | 11.05% | 7.93% |
| Uninsured share of domestic deposits | 32.37% | 34.20% | 32.90% | 34.52% | 36.38% | 37.71% | 37.36% | 38.85% |
| Full-time equivalent employees | 343 | 323 | 331 | 325 | 322 | 321 | 320 | 311 |
| Number of offices | 17 | 17 | 17 | 20 | 20 | 20 | 20 | 20 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of LINKBANK, oldest first; figures before and after each event are not like for like.
- . Absorbed LINKBANK (FDIC certificate 35077).
- . Absorbed The Bank of Delmarva (FDIC certificate 8810).
- . Absorbed Virginia Partners Bank (FDIC certificate 58824).
- . Merged into Burke & Herbert Bank & Trust Company (FDIC certificate 11578).
Large one-quarter moves at LINKBANK
- Total assets at LINKBANK changed by +129.9% in the quarter to 2021-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from LINKBANK.
- Total assets at LINKBANK changed by +114.3% in the quarter to 2023-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from The Bank of Delmarva, Virginia Partners Bank.
Questions and identifiers
What were the total assets of LINKBANK?
LINKBANK reported $3.1 bn at in its Call Report.
Is LINKBANK the same as its holding company?
No. This page covers LINKBANK, FDIC certificate 14863; LINKBANCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is LINKBANK profitable?
LINKBANK reported net income of $7.1 mn for the year to ; annualized return on equity: 7.93%. So yes: LINKBANK made a profit over these months.
When is data for LINKBANK next updated?
LINKBANK no longer files Call Reports; its data ends at .
Where can I check the figures for LINKBANK?
In the FDIC BankFind Suite record for certificate 14863, and in the Call Reports of LINKBANK (RSSD ID 557317) at the FFIEC Central Data Repository.