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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 $2.8MQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $438.1M38%Noninterest $269.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.36%1.46%1.51%1.73%1.65%2.38%2.06%+55 bps
Return on Equity9.34%8.82%9.26%9.56%10.83%10.25%14.01%11.90%+235 bps
Net Interest Margin3.71%3.71%3.80%3.85%3.94%3.96%4.06%4.20%+35 bps
Efficiency Ratio52.37%52.32%50.93%50.02%48.70%48.57%39.94%43.29%-673 bps
Non-Interest Burden1.89%1.90%1.90%1.88%1.87%1.87%1.07%1.51%-37 bps
Growth
Asset Growth (YoY)5.33%3.77%4.38%4.34%3.33%4.19%2.00%-1.23%-557 bps
Loan Growth (YoY)14.48%13.66%8.02%7.04%5.98%3.19%4.48%4.97%-207 bps
Deposit Growth (YoY)-5.73%1.05%4.63%4.40%3.07%3.87%0.39%1.88%-252 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.26%0.43%0.68%0.58%0.19%0.50%0.58%-10 bps
Net Charge-Offs / Loans-0.03%0.07%0.37%0.19%-0.31%0.07%-0.09%-0.05%-23 bps
Allowance / Loans2.85%2.96%3.00%2.92%2.94%2.85%2.85%2.67%-25 bps
Allowance Coverage of NPLs21.6x11.4x7.0x4.3x5.0x15.0x5.7x4.6x+0.3x
Capital
Tier 1 Leverage Ratio15.33%15.42%15.79%15.91%16.19%16.53%17.30%18.02%+211 bps
Total Risk-Based Capital15.33%15.42%15.79%15.91%16.19%16.53%17.30%18.02%+211 bps
Equity / Assets15.46%15.74%15.72%16.03%16.32%16.74%17.17%18.03%+201 bps
Liquidity & Funding
Loans / Deposits74.65%76.58%72.84%74.82%76.76%76.07%75.81%77.09%+227 bps
Liquid Assets / Assets36.47%35.45%38.09%36.99%35.90%36.62%37.70%34.21%-278 bps
CRE / Total Capitaln/an/an/an/a187.80%180.73%174.84%n/an/a