Lindell Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Lindell Bank & Trust Company is an FDIC-insured commercial bank, in the St. Louis metropolitan banking region. The Q2 2026 balance sheet stands at $915M in assets, including $545M in loans. Under the simplified Community Bank Leverage Ratio framework, leverage of 18.02% exceeds the CBLR threshold. The bank posts a strong 2.25% ROA and 12.53% ROE. Credit metrics are pristine, with nonperforming loans at just 0.32%. Its footprint covers 15 branches concentrated in Missouri.
As of June 30, 2026, Lindell Bank & Trust Company reported a Tier 1 leverage ratio of 18.02%, a return on assets of 2.25%, a nonperforming-loan ratio of 0.32%, a Texas ratio of 2.18%, per financial data filed with the FFIEC.
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)
- Offices
- 15 domestic
- Employees (FTE)
- 142
- Domestic deposits
- $707.2M
- Allowance for credit losses
- $14.6M
- Net charge-offs (YTD)
- -$124K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lindell Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lindell Bank & Trust Company, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.02% | 2.25% | 0.32% | 2.18% | 4.37% |
| Q1 2026 | 17.30% | 3.05% | 0.21% | 1.94% | 4.19% |
| Q4 2025 | 16.53% | 1.77% | 0.22% | 1.03% | 4.24% |
| Q3 2025 | 16.19% | 2.73% | 0.29% | 2.36% | 4.38% |
| Q2 2025 | 15.91% | 1.99% | 0.47% | 2.85% | 4.09% |
| Q1 2025 | 15.79% | 1.85% | 0.36% | 1.90% | 3.92% |
| Q4 2024 | 15.42% | 1.41% | 0.40% | 1.56% | 4.01% |
| Q3 2024 | 15.33% | 1.84% | 0.31% | 1.31% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| 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
What the public regulatory sources show for Lindell Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 253 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lindell Bank & Trust Company headquartered?
Lindell Bank & Trust Company is headquartered in Saint Louis, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lindell Bank & Trust Company founded?
Lindell Bank & Trust Company was established in 1923, per the FDIC institution directory.
Is Lindell Bank & Trust Company FDIC-insured?
Yes. Lindell Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Lindell Bank & Trust Company operate?
Lindell Bank & Trust Company 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?
Lindell Bank & Trust Company's Texas Ratio is 2.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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