# LINKBANK
CAMP HILL, PA · FDIC certificate 35077 · asset band $300M-1B · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $463.8M | |
| Deposits | $385.3M | |
| Loans and leases | $414.2M | |
| Total equity | $50.2M | |
| Loans / deposits | 106.26% (p97 of band) | 72.09% |
| Liquid assets / assets | 7.51% (p1 of band) | |
| Uninsured deposits / deposits | 42.69% (p89 of band) | 25.33% |
| Brokered deposits | 4.31% | |
| Wholesale funding | 9.29% (p84 of band) | |
| FHLB advances / assets | 4.31% | |
| Tier 1 leverage | 11.19% (p75 of band) | 9.70% |
| Unrealized securities loss / equity | 0.17% (p28 of band) | 1.16% |
| AOCI / equity | -0.15% (p78 of band) | |
| ROA (annualized) | 1.71% (p81 of band) | 1.18% |
| Net interest margin | 3.49% (p61 of band) | 3.34% |
| Efficiency ratio | 81.32% (p90 of band) | |
| Noncurrent loans | 0.12% (p26 of band) | 0.40% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 933.85% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 50.06% (p64 of band) | |
| Auto loans | $20,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 74.3% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 8 | wholesale funding >15%, charge-offs p90, construction >100% equity |  |
| 2011-09 | 8 | capital falling | wholesale funding >15% |
| 2011-12 | 10 | leverage <5% |  |
| 2012-03 | 12 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-06 | 12 |  |  |
| 2012-09 | 12 |  |  |
| 2012-12 | 9 |  | construction >100% equity, leverage <5% |
| 2013-03 | 7 |  | losing money, expense ratio p90 |
| 2013-06 | 10 | losing money, expense ratio p90, construction >100% equity |  |
| 2013-09 | 10 | AOCI drag >20% of equity | noncurrent p90 |
| 2013-12 | 10 | securities losses >30% of equity | uninsured deposits leaving |
| 2014-03 | 5 |  | charge-offs p90, losing money, expense ratio p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 5 |  |  |
| 2014-09 | 8 | expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2014-12 | 8 | losing money | construction >100% equity |
| 2015-03 | 7 |  | charge-offs p90 |
| 2015-06 | 8 | construction >100% equity |  |
| 2015-09 | 9 | charge-offs p90 |  |
| 2015-12 | 8 |  | construction >100% equity |
| 2016-03 | 5 |  | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2016-06 | 8 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 8 |  |  |
| 2016-12 | 9 | charge-offs p90 |  |
| 2017-03 | 7 |  | uninsured deposits leaving, charge-offs p90 |
| 2017-06 | 8 | charge-offs p90 |  |
| 2017-09 | 8 |  |  |
| 2017-12 | 7 |  | noncurrent p90 |
| 2018-03 | 6 |  | charge-offs p90 |
| 2018-06 | 7 | noncurrent p90 |  |
| 2018-09 | 8 | capital falling |  |
| 2018-12 | 5 | NIM <2.5%, uninsured deposits leaving | leverage <7%, assets shrinking, reserve under noncurrent, noncurrent p90, capital falling |
| 2019-03 | 2 |  | deposits shrinking, NIM <2.5%, uninsured deposits leaving |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | NIM <2.5% |  |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15% | NIM <2.5% |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | liquid assets <10%, capital falling | losing money, wholesale funding >15% |
| 2021-06 | 4 |  |  |

## 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](https://news.google.com/rss/articles/CBMixAFBVV95cUxQWnVMNmdTbFQ3eDNWSldSYUNDaUtiWGtyYjdQX0JiNDZwaUtjSTBzRWxBbzhORHk2UW9tMmtFM1RoMGJPajBUVHlhYnBmYTc3WmkyZ2Q4ZXBnWUd4U1lsZE5Hd0tTeU42WVNSeHJlaEJfVEVCLThORkhUemVHZ1g1Nnh0ME9sMldpQjNCV1V0bTIxd0ZMOTVLdHNTMV9HZ1hlZXRNM24zdTZJSmRSVVI0bXBNYU8tdGxzdndCazJLNXJ6bG83?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35077 (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/5.json (key "35077", 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