BlastPoint's Banking Scorecard

Lindell Bank & Trust Company

$100M-$1B Specialty: Commercial MO FDIC cert 1073

St. Louis, MO

15 branches across MO · IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +1.9% year over year ($707.2M on the books).
Delinquency rate 0.59%.
Return on assets 2.62%.
Efficiency ratio 43.29% vs a 64.48% peer average.
Loan-to-deposit ratio 75.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Lindell Bank & Trust Company demonstrates 6 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 5.3% in tier
+ Revenue Diversifier: Top 28.0% in tier
+ Efficiency Ratio 21.19% below tier average
+ Non-Interest-Bearing Deposit Share 16.03% above tier average
+ Net Interest Margin 0.35% above tier average
+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Lindell Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$915.2M -1.2% YoY -3.2% QoQ	+$528.6M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 3.2% in tier
Total Loans ?	$530.6M +5.2% YoY +2.8% QoQ	+$272.3M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 9.1% in tier
Total Deposits ?	$707.2M +1.9% YoY +0.9% QoQ	+$380.5M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 6.2% in tier
Return on Assets ?	2.62% +36.4% YoY -13.2% QoQ	+1.30%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 3.6% in tier
Net Interest Margin ?	4.33% +5.3% YoY +2.1% QoQ	+0.35%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	43.29% -13.5% YoY +8.4% QoQ	-21.19%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 6.9% in tier
Delinquency Rate ?	0.59% -14.5% YoY +15.0% QoQ	-0.32%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	75.03% +3.3% YoY +1.9% QoQ	-2.92%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	38.06% -0.1% YoY +1.4% QoQ	+16.03%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 6.2% in tier
Nonperforming Asset Ratio ?	0.34% -8.9% YoY +22.1% QoQ	-0.32%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	18.02% +13.2% YoY +4.1% QoQ	+2.11%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.38% +133.1% YoY +35.8% QoQ	-0.19%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	38.1% 0.0pp YoY +0.5pp QoQ	+15.9pp	22.1%	20.9%	22.2%	94%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	7.4% -0.5pp YoY +0.8pp QoQ	-4.2pp	11.6%	12.3%	12.5%	35%
CRE	55.7% +2.6pp YoY +1.3pp QoQ	+16.2pp	39.5%	36.8%	41.4%	79%
1-4 Family	38.2% -2.2pp YoY -2.3pp QoQ	+5.5pp	32.6%	31.9%	31.3%	67%
Consumer	0.6% -0.1pp YoY 0.0pp QoQ	-3.5pp	4.1%	4.1%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	18.0% +2.1pp YoY +0.7pp QoQ	+5.8pp	12.2%	11.6%	12.6%	95%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	142 -2 (-1.4%) YoY +1 (+0.7%) QoQ	+83	58	162	482	96%
Assets per Employee ($)	$6.4M +0.2% YoY -3.8% QoQ	-$1.1M	$7.5M	$8.0M	$8.8M	41%
Branch Count	15 0 YoY 0 QoQ	+10	4	10	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.3%	0.3%	0.4%	78%
Nonaccrual	0.2% -0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	4.62x +6.8% YoY -18.7% QoQ	-19.53x	24.15x	10.47x	20.23x	69%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	5%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	15.2% +3.0pp YoY -2.7pp QoQ	+3.0pp	12.2%	14.3%	11.6%	68%
Cost of Funds (YTD)	1.3% -0.2pp YoY -0.1pp QoQ	-0.4pp	1.7%	1.8%	1.7%	23%
Net Income ($, YTD)	$12.2M +38.6% YoY — QoQ	+$9.7M	$2.6M	$11.3M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#36 of 661 • Top 5.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.62%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Revenue Diversifier

growth

#186 of 661 • Top 28.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.38%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.62%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

Total Assets

size

Value: $915.17M

Peer Median: $386.57M

#85 of 2643 Top 3.2% in $100M-$1B

Return on Assets

profitability

Value: 2.62%

Peer Median: 1.32%

#97 of 2643 Top 3.6% in $100M-$1B

164

Non-Interest-Bearing Deposit Share

funding

Value: 38.06%

Peer Median: 22.03%

#164 of 2643 Top 6.2% in $100M-$1B

166

Total Deposits

size

Value: $707.21M

Peer Median: $326.73M

#166 of 2643 Top 6.2% in $100M-$1B

183

Efficiency Ratio

profitability

Value: 43.29%

Peer Median: 64.48%

#183 of 2643 Top 6.9% in $100M-$1B

242

Total Loans

size

Value: $530.62M

Peer Median: $258.35M

#242 of 2643 Top 9.1% in $100M-$1B

448

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.57%

#448 of 2643 Top 16.9% in $100M-$1B

504

Tier 1 Capital Ratio

capital

Value: 18.02%

Peer Median: 15.91%

#504 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available