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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.71% | 0.90% | 0.77% | 0.84% | 0.66% | 1.29% | 1.23% | +46 bps | |
| Return on Equity | 10.76% | 9.41% | 11.90% | 9.50% | 9.69% | 7.14% | 13.44% | 12.89% | +338 bps | |
| Net Interest Margin | 2.67% | 2.86% | 3.02% | 3.15% | 3.15% | 3.15% | 3.88% | 3.76% | +61 bps | |
| Efficiency Ratio | 69.20% | 72.74% | 63.43% | 72.10% | 64.06% | 76.50% | 61.31% | 62.62% | -948 bps | |
| Non-Interest Burden | 1.72% | 1.99% | 1.78% | 2.17% | 1.85% | 2.32% | 2.21% | 2.20% | +2 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 | 0.00% | 0.01% | -0.01% | 0.00% | 0.18% | 0.00% | -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 | |