Lindell Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.11 percentage points higher than in Q1 2026, at 99.38%. Within Missouri, Lindell Bank & Trust Company is 128th of 192 on loan-to-deposit ratio, 77.09% as of Q2 2026, below the middle of the field. Lindell Bank & Trust Company reported 77.09% on loan-to-deposit ratio for Q2 2026, 3.75 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $545.2M |
| Net loans and leases | $530.6M |
| Loans held for sale | $1.6M |
| Loans to total assets | 59.57% |
| Loan-to-deposit ratio | 77.09% |
| Net loans to equity capital | 3.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.81% |
| Multifamily (5+ residential) | 2.50% |
| Commercial and industrial | 7.19% |
| Consumer | 0.57% |
| Credit cards | 0.12% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.38% |
| Construction concentration (Tier 1 capital + allowance) | 48.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.51% |
| Interest income on loans | $10.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $443.2M | $721.1M | 37.73% | 8.64% | 0.83% |
| Q4 2023 | $453.9M | $666.6M | 38.74% | 8.01% | 0.87% |
| Q1 2024 | $470.7M | $667.2M | 38.06% | 7.92% | 0.80% |
| Q2 2024 | $485.2M | $664.9M | 37.21% | 9.27% | 0.76% |
| Q3 2024 | $507.4M | $679.7M | 35.88% | 9.81% | 0.78% |
| Q4 2024 | $515.8M | $673.6M | 36.31% | 9.17% | 0.71% |
| Q1 2025 | $508.4M | $698.1M | 35.72% | 7.92% | 0.68% |
| Q2 2025 | $519.4M | $694.2M | 35.82% | 7.68% | 0.70% |
| Q3 2025 | $537.8M | $700.6M | 36.50% | 6.13% | 0.74% |
| Q4 2025 | $532.3M | $699.7M | 37.58% | 5.62% | 0.55% |
| Q1 2026 | $531.2M | $700.8M | 36.63% | 6.36% | 0.53% |
| Q2 2026 | $545.2M | $707.2M | 35.81% | 7.19% | 0.57% |
Lindell Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lindell Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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 Lindell Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1073) · FFIEC NIC profile (RSSD 185859)