Lindell Bank & Trust Company: 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 Reserve coverage of non-performing loans: 539.84 percentage points lower than in Q1 2026, at 827.07%. Within Missouri, Lindell Bank & Trust Company is 27th of 192 on return on assets, 2.25% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Lindell Bank & Trust Company reported 2.25% on return on assets in Q2 2026, 0.99 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.02% |
| Equity capital to assets | 18.03% |
| Tangible equity to tangible assets | 17.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.18% |
| Allowance for credit losses to loans | 2.67% |
| Reserve coverage of non-performing loans | 827.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 12.53% |
| Net interest margin | 4.37% |
| Efficiency ratio | 47.15% |
| Yield on earning assets | 5.59% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.09% |
| Core deposits to total deposits | 92.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.28% |
| Securities to assets | 32.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.79% | 1.75% | 3.98% | 0.38% | -0.00% |
| Q4 2023 | 15.22% | 1.71% | 4.04% | 0.21% | 0.92% |
| Q1 2024 | 15.23% | 1.78% | 3.81% | 0.20% | 0.00% |
| Q2 2024 | 15.20% | 1.85% | 3.87% | 0.30% | -0.19% |
| Q3 2024 | 15.33% | 1.84% | 3.99% | 0.31% | 0.09% |
| Q4 2024 | 15.42% | 1.41% | 4.01% | 0.40% | 0.38% |
| Q1 2025 | 15.79% | 1.85% | 3.92% | 0.36% | 0.37% |
| Q2 2025 | 15.91% | 1.99% | 4.09% | 0.47% | 0.01% |
| Q3 2025 | 16.19% | 2.73% | 4.38% | 0.29% | -1.32% |
| Q4 2025 | 16.53% | 1.77% | 4.24% | 0.22% | 1.18% |
| Q1 2026 | 17.30% | 3.05% | 4.19% | 0.21% | -0.09% |
| Q2 2026 | 18.02% | 2.25% | 4.37% | 0.32% | 0.00% |
Lindell Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lindell Bank & Trust Company, 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 Lindell Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1073) · FFIEC NIC profile (RSSD 185859)