Bank of Lindsay: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.09 percentage points higher than in Q1 2026, at 110.87%. Bank of Lindsay ranks 124th of 138 Nebraska banks on return on assets, in the lower half at 0.69% (Q2 2026). Bank of Lindsay reported 0.69% on return on assets for Q2 2026, 0.30 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.04% |
| Tier 1 risk-based capital ratio | 11.04% |
| Total risk-based capital ratio | 11.92% |
| Tier 1 leverage ratio | 10.09% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 7.10% |
| Net interest margin | 3.19% |
| Efficiency ratio | 77.35% |
| Yield on earning assets | 5.85% |
| Cost of funds | 3.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.87% |
| Core deposits to total deposits | 63.07% |
| Brokered deposits to total deposits | 28.70% |
| Deposits to assets | 72.72% |
| Securities to assets | 1.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.52% | 11.52% | 12.47% | 11.80% | 0.71% |
| Q4 2023 | 10.72% | 10.72% | 11.61% | 10.39% | -0.06% |
| Q1 2024 | 11.21% | 11.21% | 12.17% | 10.27% | 0.67% |
| Q2 2024 | 10.86% | 10.86% | 11.77% | 10.28% | 0.74% |
| Q3 2024 | 10.60% | 10.60% | 11.47% | 10.25% | 0.78% |
| Q4 2024 | 9.86% | 9.86% | 10.66% | 9.63% | 0.52% |
| Q1 2025 | 10.49% | 10.49% | 11.39% | 9.59% | 0.41% |
| Q2 2025 | 11.31% | 11.31% | 12.26% | 9.87% | 0.64% |
| Q3 2025 | 10.16% | 10.16% | 10.99% | 10.01% | 0.79% |
| Q4 2025 | 10.68% | 10.68% | 11.53% | 9.86% | 1.18% |
| Q1 2026 | 10.94% | 10.94% | 11.83% | 9.73% | 0.27% |
| Q2 2026 | 11.04% | 11.04% | 11.92% | 10.09% | 0.69% |
Bank of Lindsay vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lindsay, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Lindsay profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19087) · FFIEC NIC profile (RSSD 111157)