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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

$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

5.02%Q2 ’245.32%Q2 ’255.40%Q2 ’26+6%+7%

Non-interest income vs. expense

2.26%Q2 ’242.23%Q2 ’252.30%Q2 ’260%+2%

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 1.73%, up 17 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.58% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.73%+17 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+30 bps YoY

Efficiency Ratio (quarter, annualized)

47.15%-202 bps YoY

Tier 1 Leverage Ratio

18.02%+211 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%2.16%1.40%2.38%1.73%+17 bps
Return on Equity9.85%13.33%8.48%14.01%9.84%-1 bps
Net Interest Margin3.95%4.23%4.10%4.06%4.25%+30 bps
Efficiency Ratio49.17%46.31%48.20%39.94%47.15%-202 bps
Non-Interest Burden1.89%1.90%1.92%1.07%1.93%+4 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 / Loans0.01%-1.29%1.20%-0.09%0.00%-1 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