Lindell Bank
Lindell Bank is a privately held independent community bank founded in 1923, headquartered in St. Louis, Missouri, operating 15 branches and 17 ATMs. It provides personal and business banking, mortgages, commercial lending, and merchant services to retail and SMB customers across the St. Louis metro.
- Company typePrivate
- Founded1923
- HeadquartersSt Louis, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Lindell Bank does
Lindell Bank & Trust Company, operating as Lindell Bank, is a privately held independent community bank founded in 1923 and headquartered at 6900 Clayton Avenue, St. Louis, Missouri. The bank is FDIC-insured, an Equal Housing Lender, NMLS-registered (#793218), and PATRIOT Act-compliant, serving personal and small-to-medium business customers across the St. Louis metro area through a physical network of 15 branches and 17 ATMs, with the longest continuous operating history of any St. Louis-area community bank (it was one of only two local banks to remain open during the Great Depression bank holidays). The bank offers a comprehensive deposit and lending product set: six personal checking account variants (No Strings, Regular, Preferred, Personal Service, NOW, Money Market), personal savings, certificates of deposit, and health savings accounts; small-business and business checking, savings, and money market accounts; and a full lending portfolio spanning fixed-rate and government-backed mortgages (FHA, VA, USDA), cash-out refinance, bridge financing, home equity, car loans, land loans, construction, commercial real estate, investment real estate, working capital lines of credit, and equipment loans.
Service delivery combines physical branches with digital channels — a NetTeller online banking platform, iOS and Android mobile apps ("Lindell Bank," package com.lindellbank.grip), mobile remote deposit capture, eStatements, and 24-hour telephone banking — supplemented by the MoneyPass surcharge-free ATM network for cash access. Strategic partnerships extend capabilities beyond core banking: Global Payments delivers merchant services (Genius POS, secure payment processing, gift and loyalty programs, embedded lending via Lendio, and data-breach protection up to $100,000 per location), Deluxe Corporation handles check reordering, and a 2024 Affordable Housing Program grant of $2,550,000 — sponsored by Lindell Bank through Justine Petersen Housing & Reinvestment Corp. and funded by the Federal Home Loan Bank of Des Moines — funds renovation of the bank's former North Grand building into 17 affordable housing apartments.
Lindell Bank's revenue model follows a traditional community banking stack: net interest income from lending (mortgage, personal, commercial, real estate) is the primary engine, supplemented by fee-based service revenue including overdraft fees ($36 per item, $10 for items of $5 or less), wire transfer fees ($20–$90 domestic/international), account maintenance charges, and merchant payment processing fees routed through the Global Payments partnership. Go-to-market is direct-to-consumer and direct-to-SMB via the branch network and self-serve digital channels, with marketing anchored on the locally owned, 100-year heritage brand and community engagement (Education Center, scam-awareness communications, affordable housing partnerships). The bank is privately held with no parent company or public shareholders disclosed, operates exclusively in the St. Louis metro region, and has no global footprint.
Lindell Bank firmographics
Firmographics- Name
- Lindell Bank
- Legal name
- Lindell Bank & Trust Company
- Website
- https://lindellbank.com
- Company type
- Private
- Founded year
- 1923
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lindell Bank is a privately held independent community bank founded in 1923, headquartered in St. Louis, Missouri, operating 15 branches and 17 ATMs. It provides personal and business banking, mortgages, commercial lending, and merchant services to retail and SMB customers across the St. Louis metro.
- Ownership category
- akta.pro rank
Lindell Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), Personal Credit Institutions (6141)
- akta.pro primary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where Lindell Bank is headquartered
LocationHeadquarters
- HQ city
- St Louis
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Lindell Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income from Lending: The bank generates revenue primarily through interest earned on loan products including mortgage loans, personal loans, business loans, commercial real estate loans, and other credit products.
- Fee-based Banking Services: Various account fees including overdraft fees ($36), wire transfer fees ($20-$90 domestic/international), account maintenance fees, stop payment fees ($36), and other transaction-based fees.
- Deposit Account Services: Revenue from checking, savings, and money market accounts with service fees for balances below minimum requirements and various account maintenance charges.
- Payment Processing Services: Revenue from merchant services through Global Payments partnership including payment processing fees, point of sale solutions, and related business services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Certificate of Deposit - 7 Month Special |
| Subscription | Monthly | No Strings Checking |
| Subscription | Monthly | Regular Checking |
| Subscription | Monthly | Business Checking |
| Subscription | Monthly | Small Business Checking |
| Subscription | Monthly | Business Money Market |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Fee |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfer Fees |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
Lindell Bank product offering
Product offeringCore offering
Lindell Bank is a full-service independent community bank offering personal and business deposit products (checking, savings, money market, CDs, HSAs), residential and commercial lending (mortgages, home equity, auto, land, construction, commercial real estate, working capital, equipment), merchant services through Global Payments, and digital banking via NetTeller online banking, a mobile app with mobile remote deposit, eStatements, and 24-hour telephone banking across 15 St. Louis metro branches and 17 ATMs.
Product overview
Lindell Bank is a full-service independent community bank offering a comprehensive suite of personal and business banking products and services. The personal banking portfolio includes six checking account types (No Strings Checking, Regular Checking, Preferred Checking, Personal Service Checking, NOW Checking, Money Market), savings accounts, certificates of deposit, and health savings accounts. Business banking offerings include Small Business Checking, Business Checking, Business Savings, and Business Money Market accounts. The bank provides extensive lending products including residential mortgages (Fixed Rate, Cash Out Refinance, VA, FHA, USDA), personal loans (Bridge Financing, Home Equity, Portfolio Loans, Car Loans, Land Loans), and business loans (Construction, Commercial Real Estate, Investment Real Estate, Working Capital Lines of Credit, Equipment Loans). Digital banking services include Online Banking, Mobile Banking App, Mobile Remote Deposit Anywhere, eStatements, and Telephone Banking. The bank operates 15 locations in the St. Louis metro area.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
- Personal Savings and Money Market Accounts
- Certificates of Deposit (CDs)
- Health Savings Account (HSA)
- Business Checking Accounts
- Business Savings and Money Market Accounts
- Residential Mortgage Loans
- Personal Loans (Bridge, Home Equity, Portfolio, Auto, Land)
- New Home Construction Loans
- Commercial Real Estate Loans
- Investment Real Estate Loans
- Working Capital Lines of Credit
- Equipment Loans
- Online Banking (NetTeller)
- Mobile Banking App
- Mobile Remote Deposit Anywhere (RDA)
- eStatements
- Telephone Banking
- Merchant Credit Card Services (Global Payments)
Quantifiable outcome
- 100 years of continuous operation since 1923
- +1 more outcomes
Companies that use Lindell Bank
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Lindell Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature2 records
Lindell Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Global PaymentscoreLindell Bank partners with Global Payments to offer business customers a comprehensive suite of payment processing solutions including point of sale systems (Genius), secure payment processing, customer insights and email marketing, gift and loyalty programs, lending options powered by Lendio, and data breach security protection up to $100,000 per location. This partnership enables the bank to provide merchant services to business customers.
- Justine Petersen Housing & Reinvestment Corp.coreLindell Bank sponsors Justine Petersen Housing & Reinvestment Corp., a St. Louis-based nonprofit, as recipient of a $2,550,000 Affordable Housing Program grant from Federal Home Loan Bank of Des Moines. The grant funds renovation of Lindell Bank's former North Grand building into 17 affordable housing apartments, serving as Justine Petersen's new home office. This represents a significant community investment in a low-to-moderate income neighborhood.
- Federal Home Loan Bank of Des MoinescoreFederal Home Loan Bank of Des Moines awarded a $2,550,000 Affordable Housing Program grant through Lindell Bank's sponsorship of Justine Petersen Housing & Reinvestment Corp. The grant supports affordable housing development in St. Louis.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Lindell Bank competitors and assessment
Company assessmentOthers
- Stifel Financial Corp. St. Louis-headquartered financial services firm focused on wealth management, investment banking, and brokerage. Comparable as a prominent St. Louis-headquartered financial institution but operates in adjacent, not directly overlapping, businesses.
Direct peers
- Cass Information Systems: St. Louis-headquartered bank holding company with similar community-bank roots and comparable asset size. Both serve regional commercial and consumer customers with relationship-based banking.
- Great Southern Bancorp: Missouri-based community bank holding company offering comparable consumer and commercial banking, mortgage lending, and branch banking across the Midwest — directly comparable in scale and product mix.
- QCR Holdings: Multi-state community bank holding company operating in the Midwest with similar asset size, business mix (commercial, CRE, mortgage), and M&A-driven growth strategy — directly comparable as a community bank consolidator.
- Equity Bancshares: Kansas and Missouri-based community bank holding company of comparable size, offering similar consumer and commercial lending, deposit products, and a regional M&A-driven growth strategy mirroring Lindell's model.
- Park National Corporation: Community-focused bank holding company operating across the Midwest and Southeast with comparable scale, consumer/commercial lending mix, and long-standing branch-based distribution model.
Broad incumbents
- Central Bancompany: Missouri-based regional bank holding company operating community banks across the Midwest with similar consumer/commercial lending and deposit products. Comparable as a regional community banking competitor with deeper geographic spread.
- Commerce Bancshares: Significantly larger Missouri-headquartered bank holding company (Commerce Bank) offering personal, business, and commercial banking across multiple states. Comparable as a Missouri community-banking franchise but much larger and more diversified.
- Heartland Financial USA (HTLF): Multi-state community banking franchise with comparable consumer/SMB and commercial lending product mix, and a parallel M&A-led growth strategy — relevant peer for understanding Lindell's scaling path.
- UMB Financial Corporation: Kansas City-headquartered bank holding company with deep Midwest roots and significantly broader institutional, commercial, and consumer banking capabilities. Comparable as a Missouri-based banking peer with overlapping geographic territory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Lindell Bank social profiles
Digital presenceLindell Bank compliance and trust
Trust signalCompliance4 records
Lindell Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lindell Bank leadership team
Management profileNumber of profiles
Profiles13 records
Lindell Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lindell Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lindell Bank
What does Lindell Bank do?
Lindell Bank is a full-service independent community bank offering personal and business deposit products (checking, savings, money market, CDs, HSAs), residential and commercial lending (mortgages, home equity, auto, land, construction, commercial real estate, working capital, equipment), merchant services through Global Payments, and digital banking via NetTeller online banking, a mobile app with mobile remote deposit, eStatements, and 24-hour telephone banking across 15 St. Louis metro branches and 17 ATMs.
Is Lindell Bank a public or private company?
Lindell Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lindell Bank founded?
Lindell Bank was founded in 1923. It employs 11 to 50 people.
Where is Lindell Bank based?
Lindell Bank is headquartered in St Louis, United States, in the North America region.
How does Lindell Bank make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are fee-based Banking Services, deposit Account Services and payment Processing Services.
Who are Lindell Bank's main competitors?
Stifel Financial Corp. is listed as an others. Direct peers are Cass Information Systems, Great Southern Bancorp, QCR Holdings, Equity Bancshares and Park National Corporation. Broad incumbents are Central Bancompany, Commerce Bancshares, Heartland Financial USA (HTLF) and UMB Financial Corporation.
Does Lindell Bank have an API?
No public API is recorded for Lindell Bank.
What industry is Lindell Bank in?
Lindell Bank's product category is Community Banking. Its primary akta.pro industry code is FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 52211 and its SIC code is 6022.