Cold Spring, MN · Cert 12444 · Lindell Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
58
Profitability
62
Liquidity
57
Efficiency
57
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.
Cold Spring, MN · Cert 12444 · Lindell Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.9% share · #21 of 32 inst. · $0.1B of $7.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.63% | 0.90% | 0.84% | 0.84% | 0.80% | 1.29% | 1.25% | +42 bps | |
| Return on Equity | 9.02% | 9.17% | 11.90% | 10.67% | 10.32% | 9.50% | 13.44% | 13.13% | +245 bps | |
| Net Interest Margin | 2.51% | 2.56% | 3.02% | 3.16% | 3.21% | 3.25% | 3.88% | 3.76% | +60 bps | |
| Efficiency Ratio | 75.74% | 74.91% | 63.43% | 67.72% | 66.50% | 68.91% | 61.31% | 61.96% | -576 bps | |
| Non-Interest Burden | 1.82% | 1.83% | 1.78% | 2.02% | 2.00% | 2.11% | 2.21% | 2.17% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.52% | -3.94% | 3.78% | -6.24% | -5.73% | -10.83% | -10.93% | -1.65% | +458 bps | |
| Loan Growth (YoY) | 10.81% | 8.97% | 13.23% | 2.86% | 0.60% | 3.21% | 2.63% | 12.53% | +968 bps | |
| Deposit Growth (YoY) | -9.18% | -5.28% | 2.70% | -8.06% | -7.12% | -12.81% | -12.70% | -2.76% | +530 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 0.89% | 0.36% | 1.05% | 0.85% | 2.61% | 2.46% | 1.60% | +54 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | -0.01% | 0.00% | 0.06% | 0.04% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.64% | 0.64% | 0.68% | 0.72% | 0.76% | 0.75% | 0.73% | 0.70% | -1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 1.9x | 0.7x | 0.9x | 0.3x | 0.3x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.55% | 8.59% | 8.60% | 9.04% | 9.44% | 9.87% | 10.25% | 10.06% | +102 bps | |
| Total Risk-Based Capital | 20.03% | 20.88% | 20.41% | 21.27% | 21.40% | 21.58% | 20.85% | 20.40% | -87 bps | |
| Equity / Assets | 7.57% | 7.43% | 7.69% | 8.45% | 8.99% | 9.57% | 9.61% | 9.45% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.80% | 52.14% | 54.78% | 55.63% | 59.36% | 61.71% | 64.40% | 64.38% | +875 bps | |
| Liquid Assets / Assets | 21.71% | 26.84% | 25.18% | 24.13% | 22.14% | 23.23% | 18.75% | 18.09% | -604 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 77.81% | 70.32% | 64.09% | n/a | n/a | |
Cold Spring, MN · Cert 12444 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lindell Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.23%
Rank 278 of 746
Net Interest Margin
3.76%
Rank 343 of 746
Efficiency Ratio
61.96%
Rank 320 of 746
Equity / Assets
9.45%
Rank 501 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 278 / 746 | ||
| Return on Equity | 12.99% | 6.74% | 10.51% | 13.63% | Beats 70% | 227 / 746 | ||
| Net Interest Margin | 3.76% | 3.17% | 3.68% | 4.16% | Beats 54% | 343 / 746 | ||
| Efficiency Ratio | 61.96% | 55.74% | 64.58% | 75.47% | Beats 57% | 320 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.60% | 0.09% | 0.42% | 1.07% | Beats 16% | 626 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.59% | 11.55% | 13.75% | 17.60% | Beats 82% | 135 / 746 | ||
| Total Risk-Based Capital Ratio | 20.40% | 11.71% | 14.33% | 18.43% | Beats 82% | 136 / 746 | ||
| Equity / Assets | 9.45% | 8.90% | 10.51% | 13.06% | Beats 33% | 501 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.38% | 61.31% | 78.27% | 90.78% | 29th pctl | 533 / 746 | ||
| Loans / Assets | 58.13% | 53.60% | 66.97% | 76.08% | 33rd pctl | 503 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||