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Lindell Bank & Trust Company

Saint Louis, MO · Cert 1073 · First Illinois Bcorp Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 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 under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 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

Lindell Bank & Trust Company

Saint Louis, MO · Cert 1073 · First Illinois Bcorp Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$915.2MAssets
$545.2MLoans
$707.2MDeposits
$165.0MEquity
Loan mix
93%RE $491.0M6%C&I $33.9M1%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $438.1M38%Noninterest $269.1MQ2 2025Q2 2026

NIM

4.91%Q2 ’245.22%Q2 ’255.42%Q2 ’26+5%+9%

Non-interest income vs. expense

2.23%Q2 ’242.21%Q2 ’252.27%Q2 ’26+1%-20%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #37 of 111 inst. · $0.7B of $141.7B

0.6% St. Louis
1.6% St. Charles
0.3% St. Louis (City)
1.7% Jefferson

Executive Summary

  • Earnings: ROA of 2.06%, up 55 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.58% of loans (-10 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 18.02%, up 211 bps from a year ago.
  • Funding: loans stand at 77.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.06%+55 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+35 bps YoY

Efficiency Ratio (YTD, annualized)

43.29%-673 bps YoY

Tier 1 Leverage Ratio

18.02%+211 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.73%1.65%2.38%2.06%+55 bps
Return on Equity9.56%10.83%10.25%14.01%11.90%+235 bps
Net Interest Margin3.85%3.94%3.96%4.06%4.20%+35 bps
Efficiency Ratio50.02%48.70%48.57%39.94%43.29%-673 bps
Non-Interest Burden1.88%1.87%1.87%1.07%1.51%-37 bps
Growth
Asset Growth (YoY)4.34%3.33%4.19%2.00%-1.23%-557 bps
Loan Growth (YoY)7.04%5.98%3.19%4.48%4.97%-207 bps
Deposit Growth (YoY)4.40%3.07%3.87%0.39%1.88%-252 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.58%0.19%0.50%0.58%-10 bps
Net Charge-Offs / Loans0.19%-0.31%0.07%-0.09%-0.05%-23 bps
Allowance / Loans2.92%2.94%2.85%2.85%2.67%-25 bps
Allowance Coverage of NPLs4.3x5.0x15.0x5.7x4.6x+0.3x
Capital
Tier 1 Leverage Ratio15.91%16.19%16.53%17.30%18.02%+211 bps
Total Risk-Based Capital15.91%16.19%16.53%17.30%18.02%+211 bps
Equity / Assets16.03%16.32%16.74%17.17%18.03%+201 bps
Liquidity & Funding
Loans / Deposits74.82%76.76%76.07%75.81%77.09%+227 bps
Liquid Assets / Assets36.99%35.90%36.62%37.70%34.21%-278 bps
CRE / Total Capitaln/a187.80%180.73%174.84%n/an/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

Lindell Bank & Trust Company

Saint Louis, MO · Cert 1073 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · First Illinois Bcorp Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$915.2MAssets
$545.2MLoans
$707.2MDeposits
$165.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 2 of 40).
  • Widest gap: net charge-offs / loans trails 53% of banks under $1B in assets in the St. Louis, MO-IL area (rank 22 of 38).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.10%

Rank 3 of 40

Net Interest Margin

4.20%

Rank 2 of 40

Efficiency Ratio

46.01%

Rank 4 of 40

Equity / Assets

18.03%

Rank 3 of 40

Non-interest income vs. expense

$6.9M$20.7MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 92% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 46.01%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.10%0.64%1.04%1.26%Beats 93%3 / 40
Return on Equity11.65%6.25%9.97%13.41%Beats 68%13 / 40
Net Interest Margin4.20%3.09%3.22%3.62%Beats 95%2 / 40
Efficiency Ratio46.01%57.08%64.37%75.86%Beats 92%4 / 40
Asset Quality
Nonperforming Loans / Loans0.58%0.14%0.62%1.92%Beats 58%17 / 38
Net Charge-Offs / Loans0.02%0.00%0.01%0.09%Beats 47%22 / 38
Capital
Tier 1 Capital Ratio18.02%10.29%12.88%15.77%Beats 80%8 / 40
Total Risk-Based Capital Ratio18.02%10.64%13.30%17.01%Beats 80%8 / 40
Equity / Assets18.03%8.59%9.46%12.46%Beats 93%3 / 40
Liquidity & Funding
Loans / Deposits77.09%66.12%79.48%94.60%40th pctl24 / 40
Loans / Assets59.57%54.69%68.52%77.46%33rd pctl27 / 40
Brokered Deposits / Depositsn/aNot reported for this institution