BlastPoint's Banking Scorecard
Lindell Bank & Trust Company
Community
Specialty: Commercial
MO
FDIC cert 1073
St. Louis, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Lindell Bank & Trust Company has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19% in Community
- + Deposit Franchise: Top 48% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$939.8M
+4.2% YoY
+0.2% QoQ
|
-$451.6M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$517.2M
+3.3% YoY
-0.9% QoQ
|
-$458.3M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$699.7M
+3.9% YoY
-0.1% QoQ
|
-$464.9M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
2.09%
+21.2% YoY
-4.8% QoQ
|
+0.93% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.28%
+5.7% YoY
+0.8% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
48.57%
-7.2% YoY
-0.3% QoQ
|
-14.06% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.20%
-27.1% YoY
-67.5% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
73.91%
-0.5% YoY
-0.8% QoQ
|
-9.16% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
38.17%
-1.7% YoY
-1.1% QoQ
|
+17.13% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-27.7% YoY
-67.9% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.33%
-2.6% YoY
+35.1% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#70 of 371 · Top 19% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.09%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#72 of 150 · Top 48% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
38.17%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.28%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Capital Thin
risk
#184 of 432 · Bottom 42% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.17% · Tier avg: 21.05%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.16%
86
86th pctile
Efficiency Ratio
Current: 48.57% · Tier avg: 62.63%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
45
45th pctile
Total Assets
Current: $939.8M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $699.7M · Tier avg: $1.2B
33
33th pctile
Total Loans
Current: $517.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
26
26th pctile
Loan-to-Deposit Ratio
Current: 73.91% · Tier avg: 83.06%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 73.91% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Loans
Current: $517.2M · Tier avg: $975.5M
38
38th pctile
Total Deposits
Current: $699.7M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $939.8M · Tier avg: $1.4B
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.57% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.16%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.17% · Tier avg: 21.05%