# LINKBANK
CAMP HILL, PA · FDIC certificate 14863 · asset band $1-10B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.12B | |
| Deposits | $2.57B | |
| Loans and leases | $2.57B | |
| Total equity | $360.6M | |
| Loans / deposits | 98.86% (p84 of band) | 86.15% |
| Liquid assets / assets | 11.98% (p9 of band) | |
| Uninsured deposits / deposits | 38.85% (p71 of band) | 30.71% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.81% (p44 of band) | |
| FHLB advances / assets | 4.81% | |
| Tier 1 leverage | 9.71% (p30 of band) | 10.45% |
| Unrealized securities loss / equity | -1.52% (p84 of band) | -8.13% |
| AOCI / equity | -0.35% (p49 of band) | |
| ROA (annualized) | 0.92% (p28 of band) | 1.22% |
| Net interest margin | 3.92% (p67 of band) | 3.64% |
| Efficiency ratio | 63.61% (p62 of band) | |
| Noncurrent loans | 0.84% (p68 of band) | 0.54% |
| Net charge-offs (annualized) | 0.65% (p96 of band) | |
| Reserve coverage of noncurrent | 128.94% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 43.63% (p45 of band) | |
| Auto loans | $172,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $500,000 (0% of equity) (p73 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 311 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | reserve under noncurrent | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2021-12 | 2 | reserve under noncurrent | losing money, NIM <2.5% |
| 2022-03 | 2 | capital falling, charge-offs p90 | expense ratio p90, reserve under noncurrent |
| 2022-06 | 1 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2022-09 | 0 |  | reserve under noncurrent |
| 2022-12 | 1 | reserve under noncurrent |  |
| 2023-03 | 2 | losing money, expense ratio p90 | reserve under noncurrent |
| 2023-06 | 2 | capital falling | losing money |
| 2023-09 | 2 | uninsured deposits leaving | capital falling |
| 2023-12 | 3 | liquid assets <10%, losing money | uninsured deposits leaving |
| 2024-03 | 0 |  | expense ratio p90, liquid assets <10%, losing money |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 | charge-offs p90 | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-22 [Burke & Herbert to acquire LinkBank for $354M - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOHF0R1NRd2xLOEFDUHRuZ0hPbGdiWWpra3BpNHU4bUdDNUZvTTVLakt2VHRkbHdYY1BuOUxuUjNTelhrd2RzRnRKNHJPZkhWNm9xS21TOGVnYVBCcWVoU3JtenRzYl9vcjBHYmVobHRudEd6MExjMDVHQ3NDXy14cXJWY1R3bWJWeTdOd3MtQzVvSmdUQlIwUjlieldaRmxp?oc=5) · Banking Dive
- 2026-01-12 [With planned acquisition of LinkBank, Virginia-based Burke & Herbert Bank would get 1st Lancaster County branch - LancasterOnline](https://news.google.com/rss/articles/CBMiqwJBVV95cUxPOEpJM1l4S1BKOTZMOGhMaXM5dEJldjhQQ0FJenE5NkNKUm93N3dmelp0QW9tS3J2ek84YlQ0X0pfelRVbXFsM2JrckluUlhtNzlIT1YybnVIbGJOa1prRHp0MjJMdGRkOEx3NjlyZmptNU96QWtsSTVzS3ZjY05vclVtZkFrT04tVElOTlowcnA2eUdOOUQ0NlJ5XzlaRlVaZWlNYXJ1aVRIdHI5ZGpGMWpBLVFNZkUyS0lPWGRyUkNjZWFFVmx4NktlY2lWemtLNElhSFMxMVpLTzJZZUdHMHNxejI2NWExenpDekd0eDRmUjRIeFNMcEpaTWQwY3ZTU3hMSlJnWVJBaTVCRHBTa3ZsT1pCdjhKU0NoY3hyZDFxRXVmeFFFdTRGMA?oc=5) · LancasterOnline
- 2023-08-01 [LinkBank new partner in Bank of Delmarva merger - Delaware Business Times](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdnFVRVA4Vi1iSnZqQ0ljbE1hd0hqZnlDbXNRdkdkTVBtd21QODJ4WnBuSzZaTlJhbkpJWkN1NGdLd2JQUHZVU3lnbDE3a3gtY3Bub1VxT3QtTGhIMExDTFl0bERibkdQNENGUGhfYXlIcHNMVkFNQXVWSmpnWWpoVERHRdIBiwFBVV95cUxPbkJMQlBrV29DRXg5R0dzUU1WcmlUc2FndmxBWVBlWXY0ZEZkOW51MDhsTzJFSGVIemVDaUhjQUlHcXNxbzh1R0dIcC1tODNiTTRqRnFDUWsyRGFLei1BN2ltRjdxZGVDZ0ZnS3I5WnBUOTg2clp2ZTBhYkx2ZjJrb1k5SDBqTXNDUnpJ?oc=5) · Delaware Business Times
- 2023-03-09 [LINKBANK: From zero to almost $3B in assets in over 4 years - Central Penn Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRktHMVBYTk9sd1ZYMGltbXR0cU05QnRHRzM3NDRheEpKMnU0dll3bk12MFV0UlZUMVlTY3BZbUhVcnZjRklpTkZ0ZUNHT2NtUC1NODJsWkNzNG5nZTQ0R2R2WkpjaFJ4c2pzQjIySlpSZG0tWjVhSE1RMi1zQUJJVW95Y2xTUQ?oc=5) · Central Penn Business Journal
- 2024-07-25 [Pa. bank to open regional HQ in Greater Baltimore - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPS3h4eENVc3ZsT0s2SUhHQmdwOGZPdEp0ZlQ1eU55MWdNUFZoblp3MGFUNDJRLXJUZDRlX3RrOHhHMHVFbTBKazMtUU56TVJsY3NfWFpzMkRyY3VqLWl0bTVRZVZEbGdtc2ZrQkdGUXk5a2YyYWZ3aFpLcGI1MGpqWVphUnFwLXlDeURXTWQtSzNIYlBOc3NaVlFGMGc?oc=5) · The Business Journals
- 2026-01-21 [Virginia company plans to acquire Cumberland County bank - PennLive.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQUXpGWEd4RlZobnMwVXN3OHY3U1BYb3R1WmlwT0tpcVdtU3BYNGFTc3Ayc2JiM1NoUnJjZmlYRm8zX0FzUC01TkxDelZCalRyd3BUYzNDMlRXbWF6d0JIV01fSTJTYlFjMEVRRTd2aEd5R0htbzBwNWRwbGctblZqRVBWclo3VWstczYzNDZGOHZOWkVtNWhpT1J1ZmFnSWEwR3VqOUZR?oc=5) · PennLive.com
- 2021-05-05 [Tiffanie Horton, LINKBANK | Next 2021 - American Banker](https://news.google.com/rss/articles/CBMiekFVX3lxTE5qdzBRUEl6bTdnTlo3d0Y2M1E2WWhqN0ptQ3V6aGMtQUFnbXBSVXZ3aTRxYkdYaU1uX3ZGTmM1blRyNTNnY1poT2l3WUFyUG9GQUhCR2NnbWVHQmNUX3gwN3pJQnBGLWlrMmN2OXZTWUZjM01mLUE5OTB3?oc=5) · American Banker
- 2024-01-16 [LINKBANK Appoints Joe Keefer as Senior Banking Officer in the Delaware Valley, PA Region - citybiz.co](https://news.google.com/rss/articles/CBMixAFBVV95cUxQWnVMNmdTbFQ3eDNWSldSYUNDaUtiWGtyYjdQX0JiNDZwaUtjSTBzRWxBbzhORHk2UW9tMmtFM1RoMGJPajBUVHlhYnBmYTc3WmkyZ2Q4ZXBnWUd4U1lsZE5Hd0tTeU42WVNSeHJlaEJfVEVCLThORkhUemVHZ1g1Nnh0ME9sMldpQjNCV1V0bTIxd0ZMOTVLdHNTMV9HZ1hlZXRNM24zdTZJSmRSVVI0bXBNYU8tdGxzdndCazJLNXJ6bG83?oc=5) · citybiz.co

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14863 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "14863", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide