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
Unfavorable gap of $13.8M · efficiency ratio beats 92% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.10% | 0.64% | 1.04% | 1.26% | Beats 93% | 3 / 40 | | |
| Return on Equity | 11.65% | 6.25% | 9.97% | 13.41% | Beats 68% | 13 / 40 | | |
| Net Interest Margin | 4.20% | 3.09% | 3.22% | 3.62% | Beats 95% | 2 / 40 | | |
| Efficiency Ratio | 46.01% | 57.08% | 64.37% | 75.86% | Beats 92% | 4 / 40 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.14% | 0.62% | 1.92% | Beats 58% | 17 / 38 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.09% | Beats 47% | 22 / 38 | | |
| Capital |
| Tier 1 Capital Ratio | 18.02% | 10.29% | 12.88% | 15.77% | Beats 80% | 8 / 40 | | |
| Total Risk-Based Capital Ratio | 18.02% | 10.64% | 13.30% | 17.01% | Beats 80% | 8 / 40 | | |
| Equity / Assets | 18.03% | 8.59% | 9.46% | 12.46% | Beats 93% | 3 / 40 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.09% | 66.12% | 79.48% | 94.60% | 40th pctl | 24 / 40 | | |
| Loans / Assets | 59.57% | 54.69% | 68.52% | 77.46% | 33rd pctl | 27 / 40 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |