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
Unfavorable gap of $71.7M · efficiency ratio beats 27% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.92% | 1.22% | 1.47% | Beats 24% | 240 / 317 | | |
| Return on Equity | 7.91% | 8.58% | 11.63% | 14.43% | Beats 21% | 251 / 317 | | |
| Net Interest Margin | 3.69% | 3.08% | 3.44% | 3.83% | Beats 68% | 102 / 317 | | |
| Efficiency Ratio | 66.79% | 52.59% | 60.06% | 67.45% | Beats 27% | 232 / 316 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.28% | 0.58% | 0.99% | Beats 31% | 214 / 309 | | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.01% | 0.06% | Beats 9% | 283 / 309 | | |
| Capital |
| Tier 1 Capital Ratio | 11.08% | 11.53% | 12.89% | 15.09% | Beats 19% | 257 / 317 | | |
| Total Risk-Based Capital Ratio | 12.13% | 12.45% | 13.96% | 16.01% | Beats 22% | 248 / 317 | | |
| Equity / Assets | 11.57% | 9.04% | 10.40% | 11.79% | Beats 70% | 95 / 317 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.94% | 77.53% | 87.93% | 95.05% | 87th pctl | 42 / 312 | | |
| Loans / Assets | 82.37% | 65.75% | 74.46% | 79.49% | 85th pctl | 48 / 319 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | 2.48% | 10.10% | Beats 100% | 90 / 311 | | |