Private company

LINKBANCORP, Inc.

LINKBANCORP, Inc. is an American state commercial bank that raised $30 million in 2023 (SEC Form D).1 It is headquartered in Camp Hill, Pennsylvania.1

Last updated Oct 20, 2026.

Overview

  • IndustryState Commercial Banks1
  • HeadquartersCamp Hill, Pennsylvania1
  • Incorporated inPA2
  • Business address1250 Camp Hill Bypass, Suite 202, Camp Hill, Pa 170112
  • Filer category, Emerging growth company2
  • Legal formCorporation

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LINKBANCORP, Inc. (“LINKBANCORP” or the “Company”) was incorporated under the laws of the Commonwealth of Pennsylvania on April 6, 2018 and is a bank holding company under the Bank Holding Company Act of 1956, as amended. In October 2018, LINKBANCORP became a bank holding company when it completed the acquisition of Stonebridge Bank, which was subsequently renamed LINKBANK.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

18.0%Net margin5
11.3%Revenue growth, 20255
10.9%Return on equity5
0.58×Debt to equity5
$23.8MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs77¢$143.9M
  • Income tax5¢$9.1M
  • Profit18¢$33.5M

Out of $186.5M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending6¢$1.5M
  • Dividends paid44¢$11.2M
  • Kept or used elsewhere50¢$12.6M

Out of $25.3M of cash from operations.5

Financial statements

Revenue65$186.5M in 2025+181% since 2023
0$50.0M$100.0M$150.0M$200.0M2023: $66.3M$66.3M20232024: $167.6M$167.6M2024+153%2025: $186.5M$186.5M2025+11%
Net income78965$33.5M in 2025+699% since 2020
-$20.0M0$20.0M$40.0M2020: $4.2M$4.2M20202021: $289.0K$289.0K2021−93%2022: $5.6M$5.6M2022+1837%2023: -$12.0M-$12.0M20232024: $26.2M$26.2M20242025: $33.5M$33.5M2025+28%
Fiscal year2019202020212022202320242025
Revenue$66.3M6$167.6M5$186.5M5
Interest$2.7M7$2.4M8$7.3M9$26.5M9
Income before tax$100.0K8$6.8M9-$15.3M6$33.6M5$42.6M5
Income tax$645.0K7-$189.0K8$1.2M9-$3.4M6$7.4M5$9.1M5
Net income$4.2M7$289.0K8$5.6M9-$12.0M6$26.2M5$33.5M5
Earnings per share$0.747$0.048$0.499-$0.676$0.715$0.905
Earnings per share (diluted)$0.747$0.048$0.499-$0.676$0.715$0.905
Shares (weighted, basic)6.9M shares811.3M shares917.8M shares637.0M shares537.2M shares5
Shares (weighted, diluted)7.3M shares811.3M shares917.8M shares637.1M shares537.3M shares5

Compare LINKBANCORP, Inc. with another company

Corporate structure

LINKBANCORP, Inc. sits at the top of its group. 7 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of LINKBANCORP, Inc.

  • AllianceBernstein Filed SCHEDULE 13G/A on LINKBANCORP, Inc., latest Aug 14, 2026
  • FJ Capital Management LLC Filed SCHEDULE 13G/A on LINKBANCORP, Inc., latest Feb 3, 2026 (8 filings since Sep 16, 2022)
  • BANC FUNDS CO LLC Filed SC 13G/A on LINKBANCORP, Inc., latest Feb 12, 2024 (2 filings since Feb 13, 2023)
  • LEHMAN KENNETH R Filed SC 13D on LINKBANCORP, Inc., latest Dec 11, 2023
  • George Parmer Filed SC 13D on LINKBANCORP, Inc., latest Mar 3, 2023
  • LINKBANCORP, Inc. Camp Hill, Pennsylvania
    • 410 William Street, LLC Subsidiary · Virginia, United States
    • Bear Holdings, LLC Subsidiary · Virginia, United States
    • Davie Circle, LLC Subsidiary · Delaware, United States
    • Delmarva BK Holdings, LLC Subsidiary · Maryland, United States
    • Delmarva Real Estate Holdings, LLC Subsidiary · Maryland, United States
    • Johnson Mortgage Company, LLC Subsidiary · Virginia, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What LINKBANCORP, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$23.7M5 Dec 31, 2025$24.6M5 Dec 31, 2024−3.4%
Accumulated depreciation$7.8M5 Dec 31, 2025$6.6M5 Dec 31, 2024+18.9%
Property and equipment, net$16.0M5 Dec 31, 2025$18.0M5 Dec 31, 2024−11.5%
Finance-lease assets$05 Dec 31, 2025$874.0K5 Dec 31, 2024−100.0%
Operating-lease assets (leased space)$15.2M5 Dec 31, 2025$14.0M5 Dec 31, 2024+8.4%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$52.3M5 Dec 31, 2025$166.1M5 Dec 31, 2024−68.5%
Debt securities available for sale$262.6M5 Dec 31, 2025$145.6M5 Dec 31, 2024+80.4%
Debt securities held to maturity$25.9M5 Dec 31, 2025$32.0M5 Dec 31, 2024−19.1%
Deposits held (banks)$2.6B5 Dec 31, 2025$2.4B5 Dec 31, 2024+8.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$58.8M5 Dec 31, 2025$58.8M5 Dec 31, 20240%
Finite-lived intangibles, gross$26.0M5 Dec 31, 2025$27.3M5 Dec 31, 2024−4.8%
Accumulated amortization$10.6M5 Dec 31, 2025$6.3M5 Dec 31, 2024+68.1%
Finite-lived intangibles, net$15.4M5 Dec 31, 2025$21.0M6 Dec 31, 2024−26.7%

Properties, in its own words

The Company's principal offices are located at 1250 Camp Hill Bypass, Suite 202, Camp Hill, Pennsylvania. This facility is leased by the Bank.

We own or lease other premises for use as Solutions Centers and loan production offices in Dauphin, Chester, Cumberland, Lancaster, Northumberland, Schuylkill, and York Counties within Pennsylvania, Wicomico, Charles, Anne Arundel, and Worcester Counties in Maryland, Sussex County in Delaware, Spotsylvania County, Virginia, and the city of Fredericksburg, Virginia. We believe that the properties currently owned or leased are adequate for present levels of operation. The following table sets forth the locations of Bank facilities as of December 31, 2025.

The rest of Item 2

Description · Address · Owned / Leased

Pennsylvania Locations:

Camp Hill Headquarters · 1250 Camp Hill Bypass, Suite 202 · Leased

Camp Hill, PA 17011

Camp Hill Solutions Center · 3045 Market Street · Leased

Camp Hill, PA 17011

Gratz Solutions Center · 32 West Market Street · Owned

Gratz, PA 17030

Hanover Loan Production Office · 118 Carlisle St · Leased

Hanover, PA 17331

Harrisburg Solutions Center · 2057 EG Drive · Leased

Harrisburg, PA 17110

Herndon Solutions Center · 4231 State Route 147 · Owned

Herndon, PA 17830

Lancaster Solutions Center · 2010 Fruitville Pike · Leased

Lancaster, PA 17601

Pottsville Solutions Center · 2221 West Market Street · Leased

Pottsville, PA 17901

Valley View Solutions Center · 1625 West Main Street · Owned

Valley View, PA 17983

West Chester Loan Production Office · 535 N. Church Street, Suite 350 · Leased

West Chester, PA 19380

West Chester Solutions Center · 1436 Pottstown Pike · Leased

West Chester, PA 19380

York Loan Production Office · 155 North George Street, Suite 201 · Leased

York, PA 17401

Delaware Locations:

Dagsboro Solutions Center · 28280 Clayton Street · Owned

Dagsboro, DE 19939

Laurel Solutions Center · 200 E. Market Street · Owned

Laurel, DE 19956

Rehoboth Solutions Center · 18572 Coastal Highway, · Leased

Rehoboth Beach, DE 19971

Rehoboth Loan Production Office · 19264 Miller Road, Unit A, · Leased

Rehoboth Beach, DE 19971

Seaford Solutions Center · 910 Norman Eskridge Highway, · Leased

Seaford, DE 19973

Maryland Locations:

Annapolis Solutions Center · 900 Bestgate Road, Suite 104, · Leased

Annapolis, MD 21401

Delmar Solutions Center · 9550 Ocean Highway · Owned

Delmar, MD 21875

Delmarva Regional Headquarters · 2245 Northwood Dr. · Owned

East Salisbury Solutions Center · 241 Beaglin Park Drive · Owned

Eastern Shore Drive Solutions Center · 921 Eastern Shore Drive · Owned

La Plata Solutions Center · 115 East Charles Street, · Land Leased;

La Plata, MD 20646 · Building Owned

North Salisbury Solutions Center · 2727 N. Salisbury Boulevard · Owned

Pecan Square Solutions Center · 1206 Nanticoke Road · Owned

26th Street Ocean City Solutions Center · 201 B 26th Street, · Leased

Ocean City, MD 21842

Virginia Locations:

Reston Solutions Center · 1821 Michael Faraday Drive, Suite 101, · Leased

Reston, VA 20190

Salem Church Solutions Center · 4210 Plank Road, · Leased

Fredericksburg, VA 22407

Spotsylvania Solution Center · 7415 Laughlin Boulevard, · Leased

Spotsylvania, VA 22553

William Street Solutions Center · 410 William Street, · Leased

Fredericksburg, VA 22401

Item 2 of the 10-K filed Mar 12, 2026.4

Leadership

Who has led LINKBANCORP, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Andrew S. Samuel2022–now

President

  1. Carl D. Lundblad2022–now

Chief financial officer

  1. Kristofer A. Paul2022–now
2025
Board members and other officers (28)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Chief Operating OfficerMelissa Hoffman named Apr 19, 202241
  • DirectorJoseph C Michetti, Jr. named Apr 19, 2022 to Mar 7, 202342
  • DirectorWilliam C Jones named Apr 19, 2022 to Mar 7, 202342
  • DirectorKristen C. Synder named Apr 19, 202241
  • DirectorSamuel K. Kauffman named Apr 19, 202241

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 410 William Street, LLC Virginia3
  • Bear Holdings, LLC Virginia3
  • Davie Circle, LLC Delaware3
  • Delmarva BK Holdings, LLC Maryland3
  • Delmarva Real Estate Holdings, LLC Maryland3
  • Johnson Mortgage Company, LLC Virginia3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. May 1, 20268-K Completed an acquisition or sale; Listing notice or transfer; Change to shareholders' rights43
  2. Mar 25, 20268-K Shareholder vote; Other events44
  3. Jan 26, 20268-K Results of operations; Other events45
  4. Dec 18, 20258-K Entered a material agreement; Regulation FD disclosure46
  5. Oct 27, 20258-K Results of operations; Regulation FD disclosure; Other events47
  6. Aug 8, 20258-K Executive or director change; Bylaws or fiscal year changed; Shareholder vote48
  7. Jul 28, 20258-K Results of operations; Regulation FD disclosure; Other events49
  8. May 23, 20258-K Executive or director change; Shareholder vote50
  9. Apr 28, 20258-K Results of operations; Regulation FD disclosure; Other events51
  10. Apr 1, 20258-K Other events52
  11. Mar 26, 20258-K Other events53
  12. Mar 3, 20258-K Executive or director change54
  13. Sep 13, 2022New chief executive Andrew S. Samuel becomes CEO13

Calendar

When it reported results

  1. Jan 26, 2026Reported quarterly or annual results45
  2. Oct 27, 2025Reported quarterly or annual results47
  3. Jul 28, 2025Reported quarterly or annual results49
  4. Apr 28, 2025Reported quarterly or annual results51
  5. Jan 27, 2025Reported quarterly or annual results55
  6. Oct 28, 2024Reported quarterly or annual results56
  7. Jul 29, 2024Reported quarterly or annual results57
  8. Apr 29, 2024Reported quarterly or annual results58

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

319 filings to the SEC since October 2021: 6 annual reports, 14 quarterly reports, 58 major events, 181 insider forms, 13 large holders, 2 private raises, 45 other. The latest 20:

  1. Aug 14, 2026SCHEDULE 13G/A EDGAR
  2. May 11, 202615-12G EDGAR
  3. May 6, 2026EFFECT EDGAR
  4. May 6, 20264 EDGAR
  5. May 1, 20264 EDGAR
  6. May 1, 20264 EDGAR
  7. May 1, 20264 EDGAR
  8. May 1, 20264 EDGAR
  9. May 1, 20264 EDGAR
  10. May 1, 20264 EDGAR
  11. May 1, 20264 EDGAR
  12. May 1, 20264 EDGAR
  13. May 1, 20264 EDGAR
  14. May 1, 20264 EDGAR
  15. May 1, 20264 EDGAR
  16. May 1, 20264 EDGAR
  17. May 1, 20264 EDGAR
  18. May 1, 20264 EDGAR
  19. May 1, 20264 EDGAR
  20. May 1, 20264 EDGAR

The 319 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

59 open-market trades by officers, directors and large owners since October 2021: 51 buys and 8 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
May 29, 2025Parmer GeorgeDirectorBuy20$6.69$134Form 4
May 27, 2025Parmer GeorgeDirectorBuy2,076$6.73$14.0KForm 4
May 23, 2025Parmer GeorgeDirectorBuy200$6.73$1.3KForm 4
May 6, 2025Parmer GeorgeDirectorBuy1,900$6.75$12.8KForm 4
Sep 11, 2024Harrison Lloyd B. IIIDirectorSale20,000$6.03$120.6KForm 4
Sep 11, 2024Parmer GeorgeDirectorBuy2,500$6.05$15.1KForm 4
Sep 6, 2024Albertine Mona D.DirectorSale4,741$6.21$29.4KForm 4
Sep 4, 2024Eisel CatherineChief Risk OfficerBuy23,643$6.23$147.3KForm 4
Sep 4, 2024Albertine Mona D.DirectorSale2,000$6.24$12.5KForm 4
Sep 3, 2024Parmer GeorgeDirectorBuy3,500$6.16$21.6KForm 4
Aug 27, 2024Albertine Mona D.DirectorSale2,200$6.61$14.5KForm 4
Aug 26, 2024Albertine Mona D.DirectorSale10,000$6.51$65.1KForm 4
Aug 9, 2024Eisel CatherineChief Risk OfficerBuy7,080$6.28$44.5KForm 4
Aug 5, 2024Parmer GeorgeDirectorBuy5,000$6.46$32.3KForm 4
Aug 2, 2024Parmer GeorgeDirectorBuy5,000$6.78$33.9KForm 4
Jun 14, 2024Parmer GeorgeDirectorBuy5,124$6.21$31.8KForm 4
Jun 13, 2024Parmer GeorgeDirectorBuy300$6.17$1.9KForm 4
Jun 12, 2024Parmer GeorgeDirectorBuy4,256$6.26$26.6KForm 4
Jun 11, 2024Parmer GeorgeDirectorBuy744$6.26$4.7KForm 4
Jun 10, 2024Doane David CarlDirectorBuy2,000$6.40$12.8KForm 4

All 59 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2024Andrew Samuel63$750.0K$1.3M64
2024Carl Lundblad54$400.0K$680.3K64
2024Brent Smith42$350.0K$594.5K64
2023Chief Executive Officer$634.6K$1.8M64
2023President$312.3K$871.2K64
2023Executive Vice PresidentPresident of LINKBANK$280.8K$747.1K64

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Feb 21, 2023Raised $10 million in a private offering of equity Form D: 5 investors so far Form D
  2. Apr 8, 2022Raised $20 million in a private offering of debt Form D: 6 investors so far Form D

SEC filer profile

How LINKBANCORP, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARLINKBANCORP, Inc.1
  • CIK0001756701
  • Employer ID (EIN)82-51305314
  • Filer statusAccelerated filer an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inPennsylvania4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1250 Camp Hill Bypass, Suite 202, Camp Hill, PA 170111
  • Phone71777872431
  • Shares outstanding37,467,596 shares as of Mar 9, 20264
  • Public float$189.5M as of Jun 30, 20254
  • AuditorS.R. Snodgrass, P.C., Conshohocken, Pennsylvania PCAOB ID 74; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceOct 24, 20181
  • Filings352 in all: 4 (145), 8-K (57), 3 (30), 10-Q (14), 425 (14), CORRESP (7), SCHEDULE 13G/A (6), 10-K (5)1
    All 43 form types

    D (5), EFFECT (5), UPLOAD (5), S-4/A (4), SC 13G/A (4), 3/A (3), 4/A (3), 8-K/A (3), ARS (3), DEF 14A (3), S-8 (3), S-8 POS (3), SC 13G (3), 424B3 (2), FWP (2), S-4 (2), SC 13D (2), SEC STAFF LETTER (2), 10-K/A (1), 15-12G (1), 25-NSE (1), 424B4 (1), 8-A12B (1), CERT (1), DEFM14A (1), DRS (1), DRSLTR (1), NT 10-Q (1), POS AM (1), S-1 (1), S-1/A (1), S-3 (1), S-3D (1), S-3DPOS (1), S-4MEF (1)

  • Latest filingsAnnual report (10-K) Mar 12, 2026
    Quarterly report (10-Q) Nov 7, 2025
    Proxy statement (DEF 14A) Apr 17, 2025
    Latest 8-K (8-K) May 1, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par value per shareLNKBThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks LINKBANCORP, Inc. names in Item 1A of its 10-K filed Mar 12, 2026: 50 risks under these headings, as written.4

  • Risks Related to Our Business
  • Regulatory approvals for the Merger may not be received, may take longer than expected, or may impose conditions that are not presently anticipated or that could have an adverse effect on the continuing corporation following the Merger.
  • The Company will be subject to business uncertainties and contractual restrictions while the Merger is pending.
  • A significant portion of the Company’s loan portfolio is secured by real estate, and events that negatively impact the real estate market could hurt its business.
  • The Company’s loan portfolio contains a number of real estate loans with relatively large balances.
  • Commercial real estate loans may increase the Company’s exposure to credit risk.
  • Repayment of commercial business loans is often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may fluctuate in value.
  • A portion of the Bank’s loan portfolio consists of loan participations. Loan participations may have a higher risk of loss than loans the Bank originates because it is not the lead lender, and the Bank has limited control over credit monitoring.
  • The Company may be exposed to risk of environmental liabilities with respect to properties to which it takes title.
  • The Company’s decisions regarding allowance for credit losses and credit risk may materially and adversely affect its business.
  • If the Company’s non-performing assets increase, earnings will be adversely affected.
  • The Company may have higher loan losses than it has allowed for in its allowance for credit losses.
The other 39 risks
  • Inflation can have an adverse impact on our business and on our customers.
  • The Company relies heavily on its senior management team and the unexpected loss of any of those personnel could adversely affect its operations.
  • The success of the Company’s strategy depends on its ability to identify and retain individuals with experience and relationships in its markets.
  • Changes in economic conditions, in particular an economic slowdown in Pennsylvania, Maryland, Delaware, and Northern Virginia could materially and negatively affect the Company’s business.
  • The small- and medium-sized business target market may have fewer financial resources to weather a downturn in the economy.
  • Higher FDIC deposit insurance premiums or special assessments could adversely impact the Company’s financial condition.
  • The Company depends on the accuracy and completeness of information about clients and counterparties and its financial condition could be adversely affected if it relies on misleading information.
  • Changes in prevailing interest rates may reduce the Company’s profitability.
  • The Company is subject to interest rate risk, and fluctuations in market interest rates may affect its interest margin and income, demand for products, defaults on loans, loan prepayments and the fair value of its financial instruments.
  • The Company may be adversely affected by the soundness of other financial institutions.
  • Competition with other financial institutions may have an adverse effect on the Company’s ability to retain and grow its client base, which could have a negative effect on its financial condition or results of operations.
  • Liquidity needs could adversely affect the Company’s financial condition and results of operation.
  • Technological advances impact the Company’s business; its information systems may experience an interruption or breach in security.
  • The Company’s controls and procedures may fail or be circumvented.
  • The Bank is subject to risks and losses resulting from fraudulent activities that could adversely impact its financial performance and results of operations.
  • Negative public opinion surrounding the Company and the financial institutions industry generally could damage its reputation and adversely impact its earnings.
  • Severe weather, natural disasters, public health emergencies and pandemics, acts of war or terrorism, and other external events could significantly impact our business.
  • Regulatory and Legal Risks
  • The Company and the Bank are subject to extensive government regulation and supervision that could interfere with their ability to conduct their business and may negatively impact their financial results, restrict their activities, have an adverse impact on their operations, and impose financial requirements or limitations on the conduct of their business.
  • Imposition of limits by bank regulators on commercial real estate lending activities could curtail our growth and adversely affect our earnings.
  • The Bank faces a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • Regulations relating to privacy, information security and data protection could increase the Company’s and the Bank’s costs, affect or limit how they collect and use personal information and adversely affect their business opportunities.
  • The Company's and the Bank’s use of third party vendors and their other ongoing third party business relationships are subject to increasing regulatory requirements and attention.
  • The Bank is limited in the amount it can lend to one borrower.
  • Federal, state and local consumer lending laws may restrict the Bank’s ability to originate certain mortgage loans or increase its risk of liability with respect to such loans and could increase its cost of doing business.
  • The Bank is subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.
  • The Federal Reserve may require the Company to commit capital resources to support the Bank.
  • Changes in the Federal Reserve's monetary or fiscal policies could adversely affect the Company's results of operations and financial conditions.
  • The Company may be subject to more stringent capital requirements in the future.
  • The Bank may be a party to various lawsuits. Litigation is subject to many uncertainties such that the expenses and ultimate exposure with respect to many of these matters cannot be ascertained.
  • Risks Related to an Investment in the Company’s Securities
  • There is a limited trading market in the Company's common stock, which will hinder your ability to sell our common stock and may lower the market price of the stock.
  • The Company can provide no assurance regarding whether it will continue to make dividend payments in the future.
  • The Company may issue additional shares of common stock, and this would result in dilution of a shareholder’s ownership percentage and potentially the per share book value of the common stock.
  • The Company's securities are not FDIC insured and may lose value.
  • The Company’s common stock is subordinate to existing and future indebtedness.
  • The use of estimates and valuations may be different from actual results, which could have a material adverse effect on the Company’s consolidated financial statements.
  • The Company's shareholders have limited control over changes in the Company’s policies and operations, which increases the uncertainty and risks that shareholders face.
  • The Company's articles of incorporation permit the Board of Directors to issue stock with terms that may subordinate the rights of the holders of the Company's common stock or discourage a third party from acquiring the Company in a manner that could result in a premium price to shareholders.
  • The Company’s articles of incorporation and bylaws, and certain banking laws applicable to us, could have an anti-takeover effect that decreases the Company’s chances of being acquired, even if an acquisition is in the shareholders’ best interests.
  • The Company is an “emerging growth company” under the JOBS Act, and the Company cannot be certain whether the reduced disclosure requirements applicable to emerging growth companies will make the Company’s common stock less attractive to investors.

Legal proceedings

At December 31, 2025, the Company is not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business, which involve amounts in the aggregate believed by management to be immaterial to the financial condition and operating results of the Company.

The opening of Item 3, Legal Proceedings.4

Sources

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