TellerScore

Headquartered in St. Louis, Missouri, Lindell Bank & Trust Company is a state-chartered bank (fed member) with $915.2M in total assets and $707.2M in deposits as of Q2 2026. It operates 15 offices across 2 states. Its charter dates back to 1923.

Lindell Bank & Trust Company has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 7th. Capital cushion contributes the most (100/100, 18.02%); loan quality contributes the least (81/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.02%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings100/100
Return on assets (annualized): 2.62%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 75.0% · 16.9% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 92).

TellerScore
919496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202495
Q4 202493
Q1 202593
Q2 202591
Q3 202592
Q4 202596
Q1 202693
Q2 202692
Tier 1 leverage ratio
5.00%11.51%18.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.20%
Q3 202415.33%
Q4 202415.42%
Q1 202515.79%
Q2 202515.91%
Q3 202516.19%
Q4 202516.53%
Q1 202617.30%
Q2 202618.02%
Noncurrent loans
0.13%0.40%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.13%
Q4 20240.26%
Q1 20250.43%
Q2 20250.68%
Q3 20250.58%
Q4 20250.19%
Q1 20260.50%
Q2 20260.58%
Return on assets
1.73%2.38%3.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.82%
Q3 20241.83%
Q4 20241.73%
Q1 20251.85%
Q2 20251.92%
Q3 20252.20%
Q4 20252.09%
Q1 20263.02%
Q2 20262.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$915.2M18.02%0.58%2.62%75.0%
Q1 202693$945.0M17.30%0.50%3.02%73.6%
Q4 202596$939.8M16.53%0.19%2.09%73.9%
Q3 202592$937.9M16.19%0.58%2.20%74.5%
Q2 202591$926.6M15.91%0.68%1.92%72.6%
Q1 202593$926.5M15.79%0.43%1.85%70.7%
Q4 202493$902.0M15.42%0.26%1.73%74.3%
Q3 202495$907.6M15.33%0.13%1.83%72.5%
Q2 202495$888.1M15.20%0.22%1.82%70.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.02%
95th
Total risk-based capital0.00%
24th
Problem loans0.58%
42nd
Net charge-offs-0.05%
95th
Return on assets2.62%
96th
Net interest margin4.33%
72nd
Efficiency ratio43.3%
93rd
Loans to deposits75.0%
60th
Uninsured deposits16.9%
76th
Loan-loss reserves2.67%
98th
Texas ratio1.8%
60th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Stifel Trust Company, National AssociationBank Saint Louis, MO70 out of 100, Strong$911.0M7.5%0.00%vs
Peoples Bank & Trust Co.Bank Troy, MO58 out of 100, Moderate$908.3M10.0%2.27%vs
Mid-Missouri BankBank Springfield, MO80 out of 100, Strong$946.7M10.8%0.07%vs
American Bank of FreedomBank Wellsville, MO53 out of 100, Below average$948.3M10.0%1.54%vs
Midwest Regional BankBank Clayton, MO26 out of 100, Low$949.0M10.2%6.61%vs
PSB BankBank Rhineland, MO65 out of 100, Moderate$854.5M8.1%0.29%vs

Deposit insurance

Is my money safe at Lindell Bank & Trust Company?

Yes. Lindell Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.9% of deposits ($119.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Lindell Bank & Trust Company lists 15 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lindell Bank & Trust Company reported 211 home-loan applications under HMDA (LEI 254900BX43CTU32Z6G15): 192 originated ($56,960,000 total), 9 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lindell Bank & Trust Company
Former names
Lindell Trust Company; Lindell Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
1073
RSSD ID
185859
Primary regulator
FED
Holding company
First Illinois Bcorp Inc
Established
January 1, 1923
Headquarters
6900 Clayton Ave, St. Louis, MO 63139
Employees
142

Quick answers

Lindell Bank & Trust Company: common questions

Is Lindell Bank & Trust Company FDIC insured?

Yes. Lindell Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lindell Bank & Trust Company's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lindell Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #1073 in the FDIC failed bank list.

How many branches does Lindell Bank & Trust Company have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near St. Louis

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Midwest Members Credit UnionCredit union Wood River, IL85 out of 100, Very strong$226.6M13.6%0.44%vs