Bank of Lindsay
Lindsay, Nebraska · FDIC Cert #19087
Bank of Lindsay is an FDIC-insured bank (Certificate #19087) with $92M in total assets and $62M in total deposits as of the Q2 2024 Call Report. Headquartered in Lindsay, Nebraska, the bank maintains a Tier 1 capital ratio of 10.86% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Lindsay (FDIC cert 19087) is a community bank — $92M in total assets, $62M in deposits, serving the Lindsay, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.86% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 8.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 0.90% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Lindsay carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Lindsay
- Total Assets
- $92M
- Total Deposits
- $62M
- Tier 1 Capital Ratio
- 10.86%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 8.72%
- Return on Assets
- 0.90%
- Headquarters
- Lindsay, Nebraska
- FDIC Certificate
- #19087
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Lindsay holds a Tier 1 capital ratio of 10.86%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Lindsay has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Lindsay shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Lindsay Compares
Bank of Lindsay’s Health Score of 63 is 2 points below the Nebraska state average of 65 across 120 FDIC-insured banks. Its 10.86% Tier 1 capital ratio is 3.1 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.90% is below the national ROA benchmark of ~1.1%. Among 1033 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Bank of Lindsay is 7 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Lindsay has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.86%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Lindsay's Tier 1 capital ratio of 10.86% and nonperforming loan ratio of 0.00% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Lindsay is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19087). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Lindsay holds $92M in total assets and $62M in total deposits. It is headquartered in Lindsay, Nebraska (FDIC Certificate #19087).
Bank of Lindsay has a Tier 1 capital ratio of 10.86%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.90%.
Yes. Bank of Lindsay is FDIC-insured (Certificate #19087). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Lindsay's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.