First Bank of the Lake
First Bank of the Lake is an FDIC-insured commercial bank headquartered in Osage Beach, MO, supervised by the FDIC, with $2.39B in total assets at Q3 2026, up 18.3% from Q3 2025, the 19th largest of 191 banks headquartered in Missouri. It was established in 1987 and holds FDIC certificate 26960. Its CET1 capital ratio was 15.50% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26960
- Headquarters
- Osage Beach, MO
- Established
- 1987
- Total assets, Q3 2026
- $2.39B
- Assets vs Q3 2025
- +18.3%
- CET1 ratio, Q3 2026
- 15.50%
- Domestic offices
- 1 branch
- Routing number
- 081505634
- Safety and soundness
- Is First Bank of the Lake safe?
- Latest call report
- Q3 2026, FFIEC 051 · First Bank of the Lake call report
- Holding company
- FBOL BANCSHARES, INC.
- Asset rank in state
- 19th of 191 in Missouri
Problem loans are rising at First Bank of the Lake. It reported $2.4 billion in assets at September 30, 2026, up 18.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.35% of loans from 0.98% a year earlier. It earns about $0.37 a year on every $100 of assets, a small fraction of the median of $1.32 for the 887 banks with $1 billion to $10 billion in assets. It also pays an average of 4.01% on its deposits and borrowings, about double the median of 2.05% for banks its size.
Earnings fell sharply: quarterly net income of $2.2 million was 57% below a year earlier. Where it has less room is capital: it funds 7.17% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.57%).
As of September 30, 2026, First Bank of the Lake reported a CET1 capital ratio of 15.50%, a return on assets of 0.37%, a nonperforming-loan ratio of 4.05% and a Texas ratio of 16.85%. The figures come from its call report filed with the FFIEC.
First Bank of the Lake ranks as the 19th largest of the 191 banks based in Missouri, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 2.2% to $2.39B, loans rose 2.6% and deposits rose 3.3%. The largest part of its loan book on September 30, 2026 was owner-occupied commercial real estate loans, at 48.4% of total loans, ahead of commercial and industrial loans at 44.6%. The FDIC Summary of Deposits lists a single office for it, in Osage Beach, MO. By the capital ratios in its Q3 2026 call report, First Bank of the Lake meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4558 Osage Beach Pkwy, Osage Beach, MO 65065
- County
- Camden
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 15, 1987
- Domestic offices
- 1 branch
- Employees (FTE)
- 251
- Domestic deposits
- $2.09B
- Allowance for credit losses
- $16.9M
- Net charge-offs (YTD)
- $8.9M
- Average total assets
- $2.35B
- Average total loans
- $2.20B
- Average interest-bearing deposits
- $2.01B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 15, 1987
- FDIC Cert
- 26960
- Fed RSSD
- 758851
- SEC CIK
- 2016349 → filed by FBOL BANCSHARES, INC.
- Website
- www.fblake.bank →
- Parent Holding Company
- FBOL BANCSHARES, INC. (RSSD 5781500)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
First Bank of the Lake's total assets moved between a low of $972.8M (Q4 2023) and a high of $2.39B (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.39B total assets against $2.02B; $2.22B total liabilities against $1.86B.
$2.21B net loans and leases against $1.88B; $2.09B total deposits against $1.74B.
$5.9M securities against $7.5M; $72.3M cash and balances due against $62.0M.
$39.3M total interest income against $35.8M; $21.4M total interest expense against $18.6M.
$17.9M net interest income against $17.1M.
$3.2M total noninterest income against $1.4M; $14.3M total noninterest expense against $10.6M.
$4.6M provision for credit losses against $2.9M.
$2.2M net income against $5.0M.
0.37% return on assets against 1.04%; 3.09% net interest margin against 3.71%.
15.50% CET1 capital ratio against 16.63%; 7.17% tier 1 leverage ratio against 8.03%.
Inside the full First Bank of the Lake terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Bank of the Lake rankings
Its closest position to the top of a national ranking is 300 of 3,644, for Texas Ratio; its furthest is 941 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from -0.56% (Q1 2025) to 1.04% (Q3 2025) and its net interest margin ran from 2.94% (Q2 2026) to 3.73% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.50% | 0.37% | 4.05% | 16.85% | 3.09% |
| Q2 2026 | 15.90% | 0.96% | 3.70% | 13.27% | 2.94% |
| Q1 2026 | 15.96% | 0.70% | 3.76% | 14.40% | 3.34% |
| Q4 2025 | 15.72% | 0.83% | 3.07% | 9.70% | 3.55% |
| Q3 2025 | 16.63% | 1.04% | 3.45% | 11.22% | 3.71% |
| Q2 2025 | 15.86% | 0.74% | 3.45% | 12.18% | 3.54% |
| Q1 2025 | 15.71% | -0.56% | 3.56% | 11.62% | 3.22% |
| Q4 2024 | 14.62% | 0.71% | 2.87% | 10.11% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank of the Lake (main office) | Osage Beach , MO | 65065 | $2.03B |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 10, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in MO, rank 21 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 508 loans, $363.3M approved, $715K average. 0.59% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank of the Lake
What are First Bank of the Lake's total assets?
As of the Q3 2026 filing, First Bank of the Lake reported total assets of $2.39 billion in its FFIEC call report.
Where is First Bank of the Lake headquartered?
It is headquartered in Osage Beach, MO, United States.
When was First Bank of the Lake founded?
It was established in 1987, per the FDIC institution directory.
Is First Bank of the Lake FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of the Lake?
First Bank of the Lake's primary federal regulator is the FDIC.
What is First Bank of the Lake's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.50% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank of the Lake operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of the Lake's Texas Ratio?
Its Texas Ratio is 16.85% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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