Lindell Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense dropped 10.9% in Q2 2026, from $3.0M to $2.7M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Lindell Bank & Trust Company is 59th of 192 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. Lindell Bank & Trust Company reported 4.37% on net interest margin for Q2 2026, 0.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 7.48% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.1M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.77% | 0.67% | 3.98% | 6.85% | 2.40% |
| Q4 2023 | 4.96% | 0.79% | 4.04% | 7.10% | 2.45% |
| Q1 2024 | 5.08% | 1.44% | 3.81% | 7.15% | 2.49% |
| Q2 2024 | 5.25% | 1.58% | 3.87% | 7.38% | 2.39% |
| Q3 2024 | 5.52% | 1.74% | 3.99% | 7.76% | 2.40% |
| Q4 2024 | 5.53% | 1.75% | 4.01% | 7.65% | 2.44% |
| Q1 2025 | 5.41% | 1.69% | 3.92% | 7.45% | 2.43% |
| Q2 2025 | 5.54% | 1.68% | 4.09% | 7.64% | 2.40% |
| Q3 2025 | 5.82% | 1.68% | 4.38% | 8.06% | 2.39% |
| Q4 2025 | 5.63% | 1.62% | 4.24% | 7.75% | 2.41% |
| Q1 2026 | 5.53% | 1.55% | 4.19% | 7.57% | 2.43% |
| Q2 2026 | 5.59% | 1.44% | 4.37% | 7.48% | 2.38% |
Lindell Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lindell Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)