Bank of Lindsay
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Data as of · sourced from FFIEC call reports. How we update
Bank of Lindsay is an FDIC-insured commercial bank headquartered in Lindsay, NE, established in 1953 (FDIC certificate 19087), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $97.9M, up 7.5% from Q2 2025, the 104th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.04% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19087
- Headquarters
- Lindsay, NE
- Established
- 1953
- Total assets, Q2 2026
- $97.9M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 11.04%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104113835
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Lindsay call report
- Holding company
- LINDSAY STATE COMPANY
- Asset rank in state
- 104th of 138 in Nebraska
Bank of Lindsay pays more for its money than most banks of its size. It reported $98 million in assets at June 30, 2026, up 7.5% from a year earlier. It pays an average of 3.17% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also holds common equity equal to 11.04% of its risk-weighted assets, about half the median of 22.08% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $165,000. Its margin is thin by comparison: it keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Bank of Lindsay reported a CET1 capital ratio of 11.04%, a return on assets of 0.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Lindsay is the 104th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $97.9M, loans fell 0.3% and deposits fell 4.0%. Its loan book on June 30, 2026 was led by agricultural production loans, at 50.3% of total loans, followed by farmland and other real estate loans at 34.3%. The FDIC Summary of Deposits lists a single office for it, in Lindsay, NE. On its Q2 2026 call report, Bank of Lindsay meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 Pine St, Lindsay, NE 68644
- County
- Platte
- Metro Area
- Columbus, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 15, 1953
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $71.2M
- Allowance for credit losses
- $770K
- Net charge-offs (YTD)
- $0
- Average total assets
- $96.1M
- Average total loans
- $80.1M
- Average interest-bearing deposits
- $59.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 6, 1964
- FDIC Cert
- 19087
- Fed RSSD
- 111157
- Website
- https://www.bankoflindsay.com →
- Parent Holding Company
- LINDSAY STATE COMPANY (RSSD 1059537)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Lindsay's total assets ranged from $85.9M (Q1 2024) to $102.3M (Q4 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$97.9M total assets against $91.1M; $88.5M total liabilities against $82.3M.
$78.2M net loans and leases against $72.9M; $71.2M total deposits against $64.7M.
$1.9M securities against $2.3M; $10.2M cash and balances due against $8.0M.
$1.3M total interest income against $1.3M; $575K total interest expense against $596K.
$687K net interest income against $709K.
$213K total noninterest income against $267K; $697K total noninterest expense against $786K.
No provision recorded in the last 12 quarters.
$165K net income against $149K.
0.69% return on assets against 0.64%; 3.19% net interest margin against 3.31%.
11.04% CET1 capital ratio against 11.31%; 10.09% tier 1 leverage ratio against 9.87%.
Inside the full Bank of Lindsay terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.27% (Q1 2026) to 1.18% (Q4 2025) and its net interest margin ran from 3.04% (Q1 2025) to 3.43% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.04% | 0.69% | 0.00% | 0.00% | 3.19% |
| Q1 2026 | 10.94% | 0.27% | 0.00% | 0.00% | 3.04% |
| Q4 2025 | 10.68% | 1.18% | 0.00% | 0.00% | 3.15% |
| Q3 2025 | 10.16% | 0.79% | 0.00% | 0.00% | 3.43% |
| Q2 2025 | 11.31% | 0.64% | 0.00% | 0.00% | 3.31% |
| Q1 2025 | 10.49% | 0.41% | 0.00% | 0.00% | 3.04% |
| Q4 2024 | 9.86% | 0.52% | 0.00% | 0.00% | 3.20% |
| Q3 2024 | 10.60% | 0.78% | 0.00% | 0.00% | 3.41% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Lindsay (main office) | Lindsay , NE | 68644 | $71.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 121 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Lindsay
What are Bank of Lindsay's total assets?
As of the Q2 2026 filing, Bank of Lindsay reported total assets of $97.9 million in its FFIEC call report.
Where is Bank of Lindsay headquartered?
It is headquartered in Lindsay, NE, United States.
When was Bank of Lindsay founded?
It was established in 1953, per the FDIC institution directory.
Is Bank of Lindsay FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Lindsay?
Bank of Lindsay's primary federal regulator is the FDIC.
What is Bank of Lindsay's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.04% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Lindsay operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Lindsay's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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