What is First Bank of the Lake's financial health grade?

First Bank of the Lake has a TFS Financial Health Grade of F (score: 54.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Bank of the Lake have?

First Bank of the Lake has 1 branch location across the United States.

Is First Bank of the Lake FDIC insured?

Yes, First Bank of the Lake is FDIC insured (Certificate #26960).

What are the total assets of First Bank of the Lake?

First Bank of the Lake has total assets of $2.3B as reported in its most recent FDIC filing.

First Bank of the Lake

BankOsage Beach, Missouri

www.fblake.bank

Total Assets

$2.3B

Total Deposits

$1.9B

Branches

Established

1987

TFS Health Grade

54.9 / 100

Poor financial health

How we grade

First Bank of the Lake is a bank headquartered in Osage Beach, Missouri, established in 1987. With $2.3B in total assets and 1 branch locations, it has a TFS Financial Health Grade of F (54.9/100).

Capital & Safety

Tier 1 Capital Ratio

7.53%(8%)

Total Capital Ratio

16.88%(10%)

Non-Performing Loan Ratio

3.07%

Profitability

Return on Assets (ROA)

0.50%(1%)

Return on Equity (ROE)

6.88%(10%)

Net Interest Margin

3.47%

Efficiency Ratio

66.55%(60%)

Lending & Liquidity

Total Loans

$2.1B

Loan-to-Deposit Ratio

106.94%

Net Charge-Off Ratio

0.41%

Growth

Asset Growth (YoY)

+44.12%

Deposit Growth (YoY)

+38.19%

Net Income

$9.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Bank of the LakeHQ	4558 Osage Beach Pkwy	Osage Beach	MO	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.