BlastPoint's Banking Scorecard
Lindell Bank & Trust Company
St. Louis, MO
15 branches across MO · IL
Lindell Bank & Trust Company has 6 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 0.1% in tier
- + Revenue Diversifier: Top 13.8% in tier
- + Efficiency Ratio 25.35% below tier average
- + Non-Interest-Bearing Deposit Share 15.50% above tier average
- + Net Interest Margin 0.31% above tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.3% in tier
- - Credit Quality Pressure: Bottom 27.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$945.0M
+2.0% YoY
+0.5% QoQ
|
+$558.9M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Top 1.8% in tier |
| Total Loans ? |
$516.1M
+4.6% YoY
-0.2% QoQ
|
+$260.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Top 9.6% in tier |
| Total Deposits ? |
$700.8M
+0.4% YoY
+0.1% QoQ
|
+$372.8M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Top 6.7% in tier |
| Return on Assets ? |
3.02%
+63.4% YoY
+44.4% QoQ
|
+1.75% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 2.0% in tier |
| Net Interest Margin ? |
4.24%
+5.6% YoY
-0.8% QoQ
|
+0.31% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
39.94%
-21.6% YoY
-17.8% QoQ
|
-25.35% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 4.1% in tier |
| Delinquency Rate ? |
0.52%
+16.2% YoY
+164.5% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
73.64%
+4.2% YoY
-0.4% QoQ
|
-2.99% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
37.52%
-1.1% YoY
-1.7% QoQ
|
+15.50% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 7.0% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+19.2% YoY
+162.5% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
17.30%
+9.5% YoY
+4.7% QoQ
|
+1.47% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.28%
+254.0% YoY
-15.6% QoQ
|
+0.00% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 7.5% in tier |
Get Full Access to Lindell Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.