Lindell Bank & Trust Company
St. Louis, Missouri, St. Louis City County
$915M in total assets, the 1,154th largest of 4,309 US banks and 42nd of 195 headquartered in Missouri.
- FDIC certificate
- 1073
- Established
- 1923
- Owned by
- First Illinois Bcorp Inc
- Primary regulator
- FED
- Website
- www.lindellbank.com
At a glance
Compared with 140 banks headquartered in Missouri with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $915M | 96% | $264M | |
| Loans | $545M | 90% | $200M | |
| Deposits | $707M | 94% | $230M | |
| Return on assets | 2.45% | 92% | 1.41% | |
| Net interest margin | 4.33% | 66% | 4.12% | |
| Efficiency ratio | 43.3% | 8% | 59.5% | |
| Equity to assets | 18.03% | 96% | 10.12% | |
| Loans to deposits | 77% | 31% | 86% |
Growth
Total assets grew 0.8% a year over the last 5 years and 5.5% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2021 | Rockwood Bank Eureka, MO, an affiliate under the same holding company | $290M |
| Apr 2017 | First Illinois Bank East St. Louis, IL, an affiliate under the same holding company | $46M |
| Mar 2016 | Concord Bank Saint Louis, MO | $114M |
| Sep 1998 | Duchesne Bank St. Peters, MO | $108M |
Where they operate
15 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Louis County, MO | $312M | 0.6% | 29 of 55 |
| St. Charles County, MO | $155M | 1.6% | 18 of 35 |
| St. Louis City County, MO | $147M | 0.3% | 12 of 26 |
| Jefferson County, MO | $66M | 1.7% | 15 of 24 |
| St. Clair County, IL | $26M | 0.4% | 25 of 26 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (10 to 15, +50.0%). 0 opened, 6 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Acquired Concord Bank | 1 | 0 | +1 | 11 |
| 2017 | Acquired First Illinois Bank | 1 | 0 | +1 | 12 |
| 2021 | Acquired Rockwood Bank | 4 | 0 | +4 | 16 |
| 2023 | Closed Saint Louis | 0 | 1 | −1 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 37% | 33% | |
| Commercial real estate | 36% | 20% | |
| Construction and land | 16% | 7% | |
| Business (C&I) | 7% | 10% | |
| Multifamily | 3% | 3% | |
| Consumer | 1% | 4% | |
| Farmland | 0% | 15% | |
| Agricultural | 0% | 6% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 38% | 21% | |
| Time deposits | 31% | 33% | |
| Other interest-bearing | 31% | 46% |
Brokered deposits are 0.0% of deposits (peers 2.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.58% | 0.40% |
| Net charge-offs, annualized | -0.05% | 0.01% |
| Reserves to loans | 2.67% | 1.21% |
| Leverage ratio | 18.02% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in St. Louis County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/lindell