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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Lindell Bank & Trust Co.

St. Louis, Missouri · $915M in assets · beside the 11 other Missouri banks between $300M and $1B

The filing

18.0%
Equity / assets
1st of 12
2.69%
ROA
2nd of 12
46.0%
Efficiency
2nd of 12

Lindell Bank & Trust Co. is the sixth largest of the 12 Missouri banks nearest its size between $300M and $1B, with $915M in assets at 30 June 2026. Loans are 77.1% of deposits, 4th of 12 against a median of 92.1%, and equity is 18.0% of assets, the highest in the cohort. Loans grew +5.0% in the year, 6th of 11, and deposits grew 1.9%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 0.58% of the book, 7th of 11 against a median of 0.45%; 0.56% is 30 to 89 days past due, and the allowance covers them 4.6 times. Commercial real estate is 32.5% of loans, 6th of 11 against a median of 32.5%, and 108% of capital, below the 300% screen, with construction at 53% against the 100% screen. CRE has grown +56.5% over 36 months, past the guidance's 50% prong.

Return on assets is 2.69%, 2nd of 12 against a median of 1.54%, on an efficiency ratio of 46.0%, 2nd of 12. Five years ago it was 1.33%. The question is what the capital is for: the balance sheet carries less risk than it could.

Equity as a share of assetsMO banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 10.1% LB Lindell Bank & Trust Co. 18.0% FB Focus Bank 12.1% FF First Federal Bank of Kansas County 10.7% MB Mid-missouri Bank 10.6% MR Midwest Regional Bank 10.5% AB American Bank of Freedom 10.3% BR Blue Ridge Bank & Trust Co. 9.9% FB Freedom Bank of Southern Missouri 8.9% PB Peoples Bank & Trust Co. 8.7% PS Peoples Savings Bank of Rhineland 8.4% Bo Bank of Old Monroe 7.1% ST Stifel Trust Co. N.A. 5.8%
Loans, year over yearMO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.0% Bo Bank of Old Monroe +21.1% PS Peoples Savings Bank of Rhineland +20.2% FB Freedom Bank of Southern Missouri +18.5% BR Blue Ridge Bank & Trust Co. +7.1% PB Peoples Bank & Trust Co. +5.7% LB Lindell Bank & Trust Co. +5.0% MB Mid-missouri Bank +3.2% FF First Federal Bank of Kansas County +1.0% FB Focus Bank +0.2% AB American Bank of Freedom -9.2% MR Midwest Regional Bank -16.8%

SBA 7(a), FY2008 to FY2026

Lindell Bank & Trust Co. is the 204th largest 7(a) lender into Missouri of 444, with $4M across 13 loans, 0.1% of everything approved in the state (Oakstar Bank leads with $556M). 3 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Saint Louis, MO$3M84th of 1780.2%quiet FY2019
Jefferson, MO$300K56th of 790.2%quiet FY2010
Saint Louis City, MO$300K76th of 1000.1%quiet FY2009
Saint Charles, MO$150K124th of 1360.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade1$907K23.2%0.00%926th of 1,651
Other services3$732K18.7%0.00%1305th of 2,248
Transportation & warehousing1$650K16.6%0.00%897th of 1,563
Retail trade3$536K13.7%0.00%1846th of 2,589
Administrative & waste services1$325K8.3%0.00%1214th of 1,763
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Lindell Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans LB Lindell Bank & Trust Company 0.1% $4M · 13 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Lindell Bank among them; owner-occupied excluded; bold marks a screen met
Lindell BankRankCohort median
Total CRE against capital, the 300% screen108%3rd of 12196%
Construction against capital, the 100% screen53%3rd of 1268%
Construction and land development, share of loans15.8%7th of 1111.4%
Non-owner-occupied nonfarm nonresidential, share of loans14.1%6th of 1114.1%
Total CRE, the guidance definition, share of loans32.5%6th of 1132.5%
CRE growth over 36 months, the third prong+56.5%9th of 11+48.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of Old Monroe$995M1.5%46.6%0.00%-0.04%1.7%73.0%7.1%
First Federal Bank of Kansas County$993M0.4%84.3%0.45%0.29%1.3%111.1%10.7%
Midwest Regional Bank$949M-1.4%69.2%6.61%3.20%2.5%91.2%10.5%
American Bank of Freedom$948M0.6%70.9%1.54%0.05%1.3%95.0%10.3%
Mid-missouri Bank$947M1.6%59.0%0.07%0.04%1.2%80.5%10.6%
Lindell Bank & Trust Co.$915M2.7%46.0%0.58%-0.05%2.7%77.1%18.0%
Stifel Trust Co. N.A.$911M3.3%38.9%no recordno recordno record0.0%5.8%
Peoples Bank & Trust Co.$908M1.5%51.8%2.27%0.01%1.6%62.2%8.7%
Blue Ridge Bank & Trust Co.$867M1.4%56.8%0.13%0.00%1.7%93.2%9.9%
Peoples Savings Bank of Rhineland$854M1.2%64.8%0.29%-0.01%1.1%96.7%8.4%
Focus Bank$854M1.7%64.4%0.85%0.05%1.2%104.9%12.1%
Freedom Bank of Southern Missouri$850M1.9%51.2%0.13%0.04%0.9%92.9%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Lindell BankCohort median
20212026Change20212026Change
Loans$474M$545M+15%$428M$676M+58%
Deposits$759M$707M-7%$616M$748M+22%
NPA / loans0.26%0.58%+0.32 pts0.34%0.45%+0.11 pts
Efficiency64.3%46.0%-18.3 pts63.6%57.9%-5.8 pts
ROA1.33%2.69%+1.36 pts1.24%1.54%+0.30 pts

This read was prepared for Lindell Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Lindell Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution www.lindellbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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