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Linkbank

Camp Hill, PA · Cert 14863

State charter, non-member · 25 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=309 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q1 2026peer median (50)

Asset Quality

20

Q2 2024Q1 2026peer median (50)

Profitability

38

Q2 2024Q1 2026peer median (50)

Liquidity

10

Q2 2024Q1 2026peer median

Efficiency

27

Q2 2024Q1 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Linkbank

Camp Hill, PA · Cert 14863

State charter, non-member · 25 branches

Q1 2026

$3.1BAssets
$2.6BLoans
$2.6BDeposits
$360.6MEquity
Loan mix
89%RE $2.3B10%C&I $0.3B1%Consumer $0.0BQ2 2024Q1 2026
Deposit mix
75%Interest-bearing $1.9B25%Noninterest $0.6BQ2 2024Q1 2026

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2025 SOD (annual) · 0.2% share · #35 of 71 inst. · $0.6B of $314.7B

14.6% Wicomico
2.0% Chester
2.7% Cumberland
0.2% Sussex

Executive Summary

  • Earnings: ROA of 0.92%, down 138 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.84% of loans (-31 bps YoY), with net charge-offs at 0.78%.
  • Capital: tier 1 leverage ratio of 9.71%, down 31 bps from a year ago.
  • Funding: loans stand at 99.94% of deposits as of Q1 2026.

Return on Assets (YTD, annualized)

0.92%-138 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-15 bps YoY

Efficiency Ratio (YTD, annualized)

63.61%+1,844 bps YoY

Tier 1 Leverage Ratio

9.71%-31 bps YoY

NIM

5.79%Q1 ’245.62%Q1 ’255.46%Q1 ’26-3%-4%

Non-interest income vs. expense

2.81%Q1 ’242.69%Q1 ’252.61%Q1 ’26-68%+180%

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.03%1.07%2.30%1.74%1.53%1.31%0.92%-138 bps
Return on Equity8.61%9.02%9.36%19.34%14.48%12.94%11.05%7.93%-1,141 bps
Net Interest Margin3.83%3.81%3.78%3.85%3.83%3.66%3.61%3.69%-15 bps
Efficiency Ratio63.95%62.46%61.29%45.17%50.36%52.06%52.78%63.61%+1,844 bps
Non-Interest Burden2.47%2.39%2.32%0.82%1.46%1.60%1.66%2.31%+149 bps
Growth
Asset Growth (YoY)120.16%131.16%7.94%2.79%1.01%8.40%6.51%8.97%+618 bps
Loan Growth (YoY)138.19%136.81%4.73%1.25%2.05%5.99%8.91%12.91%+1,166 bps
Deposit Growth (YoY)134.32%133.76%6.21%1.65%-0.20%8.16%4.12%5.51%+386 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.75%0.73%1.15%0.93%1.00%0.95%0.84%-31 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.18%0.13%0.09%0.78%+77 bps
Allowance / Loans1.14%1.14%1.13%1.17%1.05%1.03%1.24%1.08%-9 bps
Allowance Coverage of NPLs2.5x1.5x1.5x1.0x1.1x1.0x1.3x1.3x+0.3x
Capital
Tier 1 Leverage Ratio9.17%9.41%9.49%10.02%10.34%9.95%9.69%9.71%-31 bps
Total Risk-Based Capital11.09%11.44%11.55%12.61%12.43%12.31%12.11%12.13%-48 bps
Equity / Assets11.28%11.53%11.61%12.17%12.18%11.49%11.70%11.57%-60 bps
Liquidity & Funding
Loans / Deposits93.80%93.92%95.64%93.39%95.91%92.04%100.04%99.94%+655 bps
Liquid Assets / Assets6.74%5.98%5.21%6.89%4.25%5.13%1.36%2.23%-466 bps
CRE / Total Capitaln/an/an/an/an/a566%596%595%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Linkbank

Camp Hill, PA · Cert 14863 · Peer group: banks $1B-$10B in assets (n=309-319)

State charter, non-member · 25 branches

Q1 2026

$3.1BAssets
$2.6BLoans
$2.6BDeposits
$360.6MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks $1B-$10B in assets (rank 90 of 311).
  • Widest gap: net charge-offs / loans trails 91% of banks $1B-$10B in assets (rank 283 of 309).
  • Overall: at or above the peer median on 3 of 10 directional measures.

Return on Assets

0.92%

Rank 240 of 317

Net Interest Margin

3.69%

Rank 102 of 317

Efficiency Ratio

66.79%

Rank 232 of 316

Equity / Assets

11.57%

Rank 95 of 317

Non-interest income vs. expense

$9.3M$81.0MINCOMEEXPENSE
Unfavorable gap of $71.7M · efficiency ratio beats 27% of banks $1B-$10B in assets
Bank 66.79%Peer median 60.1%Q3 2025Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.92%1.22%1.47%Beats 24%240 / 317
Return on Equity7.91%8.58%11.63%14.43%Beats 21%251 / 317
Net Interest Margin3.69%3.08%3.44%3.83%Beats 68%102 / 317
Efficiency Ratio66.79%52.59%60.06%67.45%Beats 27%232 / 316
Asset Quality
Nonperforming Loans / Loans0.84%0.28%0.58%0.99%Beats 31%214 / 309
Net Charge-Offs / Loans0.20%0.00%0.01%0.06%Beats 9%283 / 309
Capital
Tier 1 Capital Ratio11.08%11.53%12.89%15.09%Beats 19%257 / 317
Total Risk-Based Capital Ratio12.13%12.45%13.96%16.01%Beats 22%248 / 317
Equity / Assets11.57%9.04%10.40%11.79%Beats 70%95 / 317
Liquidity & Funding
Loans / Deposits99.94%77.53%87.93%95.05%87th pctl42 / 312
Loans / Assets82.37%65.75%74.46%79.49%85th pctl48 / 319
Brokered Deposits / Deposits0.00%n/a2.48%10.10%Beats 100%90 / 311