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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