Lindell Bank & Trust Company
Also written as LB&T
BankRegReports is independent of Lindell Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Lindell Bank & Trust Company is an FDIC-insured commercial bank headquartered in Saint Louis, MO, supervised by the Federal Reserve, with $915.2M in total assets at Q2 2026, down 1.2% from Q2 2025, the 42nd largest of 191 banks headquartered in Missouri. It was established in 1923 and holds FDIC certificate 1073. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1073
- Headquarters
- Saint Louis, MO
- Established
- 1923
- Total assets, Q2 2026
- $915.2M
- Assets vs Q2 2025
- -1.2%
- Tier 1 leverage ratio, Q2 2026
- 18.02%
- Domestic offices
- 15 · Lindell Bank & Trust Company branches FDIC institution directory, current count
- Routing number
- 081001073
- Safety and soundness
- Is Lindell Bank & Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · Lindell Bank & Trust Company Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- FIRST ILLINOIS BANCORP, INC.
- Asset rank in state
- 42nd of 191 in Missouri
Lindell Bank & Trust Company is one of the more profitable banks of its size. The Saint Louis, Missouri bank had $915 million in assets at June 30, 2026, down 1.2% from a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also funds 18.02% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Paper losses on its bond portfolio are shrinking: unrealized losses of $48 million equal 30% of Tier 1 capital, down from 38% a year earlier. Loans are outrunning deposits: over the year loans rose 5.0% and deposits rose 1.9%. One more trend to watch: the non-owner-occupied commercial real estate book ($77 million) is worsening: 0.94% of it is past due or on nonaccrual, up from 0.22% a year earlier.
As of June 30, 2026, Lindell Bank & Trust Company reported a return on assets of 2.25%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 1.81%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Lindell Bank & Trust Company is the 42nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.2% to $915.2M, loans rose 2.6% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.1% of total loans, followed by owner-occupied commercial real estate loans at 21.8%. Its 15 offices in the FDIC Summary of Deposits are in 12 cities across 2 states; its St. Louis office books 17% of its branch deposits. Judged on its Q2 2026 call report, Lindell Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6900 Clayton Ave, Saint Louis, MO 63139
- County
- St. Louis City
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Former names
- Lindell Bank and Trust Company (1990)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $707.2M
- Allowance for credit losses
- $14.6M
- Net charge-offs (YTD)
- -$124K
- Average total assets
- $912.1M
- Average total loans
- $536.2M
- Average interest-bearing deposits
- $440.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1073
- Fed RSSD
- 185859
- Website
- www.lindellbank.com →
- Parent Holding Company
- FIRST ILLINOIS BANCORP, INC. (RSSD 1095889)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Lindell Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Lindell Bank & Trust Company's total assets moved between a low of $861.7M (Q3 2023) and a high of $945.0M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$915.2M total assets against $926.6M; $750.1M total liabilities against $778.1M.
$530.6M net loans and leases against $504.2M; $707.2M total deposits against $694.2M.
$293.7M securities against $319.7M; $43.3M cash and balances due against $49.1M.
$12.3M total interest income against $12.3M; $2.7M total interest expense against $3.2M.
$9.6M net interest income against $9.1M.
$830K total noninterest income against $775K; $5.2M total noninterest expense against $5.2M.
$104K provision for credit losses against $96K.
$5.1M net income against $4.6M.
2.25% return on assets against 1.99%; 4.37% net interest margin against 4.09%.
18.02% tier 1 leverage ratio against 15.91%.
Inside the full Lindell Bank & Trust Company 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Lindell Bank & Trust Company rankings
Its closest position to the top of a national ranking is 277 of 3,611, for ROA; its furthest is 2,334 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.41% (Q4 2024) to 3.05% (Q1 2026) and its net interest margin ran from 3.92% (Q1 2025) to 4.38% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.02% | 2.25% | 0.58% | 1.81% | 4.37% |
| Q1 2026 | 17.30% | 3.05% | 0.50% | 1.55% | 4.19% |
| Q4 2025 | 16.53% | 1.77% | 0.19% | 0.61% | 4.24% |
| Q3 2025 | 16.19% | 2.73% | 0.58% | 1.93% | 4.38% |
| Q2 2025 | 15.91% | 1.99% | 0.68% | 2.23% | 4.09% |
| Q1 2025 | 15.79% | 1.85% | 0.43% | 1.42% | 3.92% |
| Q4 2024 | 15.42% | 1.41% | 0.26% | 0.89% | 4.01% |
| Q3 2024 | 15.33% | 1.84% | 0.13% | 0.66% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → 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 |
|---|---|---|---|
| Lindell Bank & Trust Company (main office) | St. Louis , MO | 63139 | $123.3M |
| 5500 Mexico Road Branch | St. Peters , MO | 63376 | $76.2M |
| Eureka Branch | Eureka , MO | 63025 | $76.2M |
| High Ridge Branch | High Ridge , MO | 63049 | $66.4M |
| Tesson Ferry Branch | Saint Louis , MO | 63128 | $65.5M |
| St. Charles Branch | St. Charles , MO | 63301 | $61.2M |
| Fenton Branch | Fenton , MO | 63026 | $50.8M |
| Chesterfield Branch # 91 | Chesterfield , MO | 63017 | $31.0M |
| Chesterfield Valley Branch # 93 | Chesterfield , MO | 63005 | $26.2M |
| East Saint Louis Branch | East St. Louis , IL | 62201 | $25.9M |
| Hampton Branch | Saint Louis , MO | 63109 | $24.1M |
| Clarkson Branch | Chesterfield , MO | 63017 | $22.2M |
| Glendale Branch # 92 | Glendale , MO | 63122 | $22.0M |
| Wildwood Branch | Grover , MO | 63040 | $18.2M |
| O'Fallon Branch # 94 | O Fallon , MO | 63368 | $17.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 10, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 10, 2021 | Structure Change | Acquired Rockwood Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired First Illinois Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 19, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 2016 | Structure Change | Acquired Concord Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 11, 1998 | Structure Change | Acquired Duchesne Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 15, 2011, Federal Reserve: Civil Money Penalty, $9,470: Lindell Bank and Trust Company, St. Louis, Missouri
- Period: Most recent institution action August 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MO, rank 63 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 211 applications, 192 loans originated, $57.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Lindell Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Lindell Bank & Trust Company
What are Lindell Bank & Trust Company's total assets?
As of the Q2 2026 filing, Lindell Bank & Trust Company reported total assets of $915.2 million in its FFIEC call report.
Where is Lindell Bank & Trust Company headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Lindell Bank & Trust Company founded?
It was established in 1923, per the FDIC institution directory.
Is Lindell Bank & Trust Company FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Lindell Bank & Trust Company operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lindell Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 1.81% 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.
What was Lindell Bank & Trust Company previously called?
The charter now named Lindell Bank & Trust Company has also operated as Lindell Bank and Trust Company (1990), per FDIC structure-change records.
Go deeper on Lindell Bank & Trust Company.
Get an email when Lindell Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Lindell Bank & Trust Company, freeFree account