Lindell Bank & Trust Company
Total assets
$915.2M
▼ -1.2% YoY
Deposits
$707.2M
▲ +1.9% YoY
Loans
$530.6M
▲ +5.2% YoY
Offices
15
FIRST ILLINOIS BCORP INC
ROA (annualized)
2.62%
peers 1.28%
ROE (annualized)
15.16%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.9% | -6.1 pts |
| Deposit growth (YoY) | +1.9% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +5.2% | +5.3% | -0.1 pts |
| ROA | 2.62% | 1.28% | +1.3 pts |
| ROE | 15.2% | 12.4% | +2.7 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
Profile
- Established
- 1923
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST ILLINOIS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 6900 Clayton Ave, St. Louis, MO, 63139
- County
- St. Louis City
- Metro area
- St. Louis, MO-IL
- Offices
- 15
- FDIC cert #
- 1073
- RSSD ID
- 185859
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $915.2M | $707.2M | $530.6M | $165.0M | $12.2M | 2.62% | 4.33% | 0.34% |
| Q1 2026 | $945.0M | $700.8M | $516.1M | $162.3M | $7.1M | 3.02% | 4.24% | 0.28% |
| Q4 2025 | $939.8M | $699.7M | $517.2M | $157.3M | $19.4M | 2.09% | 4.28% | 0.11% |
| Q3 2025 | $937.9M | $700.6M | $522.0M | $153.0M | $15.2M | 2.20% | 4.24% | 0.34% |
| Q2 2025 | $926.6M | $694.2M | $504.2M | $148.5M | $8.8M | 1.92% | 4.11% | 0.38% |
| Q1 2025 | $926.5M | $698.1M | $493.2M | $145.6M | $4.2M | 1.85% | 4.02% | 0.24% |
| Q4 2024 | $902.0M | $673.6M | $500.6M | $141.9M | $15.4M | 1.73% | 4.05% | 0.15% |
| Q3 2024 | $907.6M | $679.7M | $493.0M | $140.3M | $12.2M | 1.83% | 4.00% | 0.11% |
Loan mix (Q2 2026): real estate $499.5M · commercial $39.3M · consumer $3.1M · securities $293.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.62% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.3% | 61.2% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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