LINDELL BANK & TRUST COMPANY
LINDELL BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in SAINT LOUIS, MO, established in 1923. As of , the bank reported total assets of $940M and total deposits of $700M. Profitability stands at 1.78% ROA and 10.75% ROE, with a net interest margin of 4.25%. CET1 capital ratio: 16.26%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 0.67%. Operates 15 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Lindell Bank & Trust Company rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.26% | 1.78% | 0.22% | 0.67% | 4.25% |
| 2025-09-30 | 15.80% | 2.74% | 0.29% | 0.93% | 4.39% |
| 2025-06-30 | 15.48% | 1.99% | 0.47% | 1.50% | 4.10% |
| 2025-03-31 | 15.14% | 1.85% | 0.36% | 1.12% | 3.94% |
| 2024-12-31 | 15.11% | 1.43% | 0.40% | 1.32% | 4.03% |
| 2024-09-30 | 14.80% | 1.85% | 0.31% | 1.20% | 4.01% |
| 2024-06-30 | 14.71% | 1.85% | 0.30% | 0.97% | 3.88% |
| 2024-03-31 | 14.57% | 1.78% | 0.20% | 0.64% | 3.83% |
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Frequently asked about LINDELL BANK & TRUST COMPANY
What are Lindell Bank & Trust Company's total assets?
As of the Q4 2025 filing, Lindell Bank & Trust Company reported total assets of $939.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lindell Bank & Trust Company headquartered?
Lindell Bank & Trust Company is headquartered in SAINT LOUIS, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lindell Bank & Trust Company founded?
Lindell Bank & Trust Company was established in 1923, per the FDIC institution directory.
Is Lindell Bank & Trust Company FDIC-insured?
Yes. Lindell Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #1073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lindell Bank & Trust Company?
Lindell Bank & Trust Company's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lindell Bank & Trust Company's CET1 capital ratio?
Lindell Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 16.26% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Lindell Bank & Trust Company operate?
Lindell Bank & Trust Company operates 15 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Lindell Bank & Trust Company's Texas Ratio?
Lindell Bank & Trust Company's Texas Ratio is 0.67% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.