First Bank of the Lake: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of the Lake of Osage Beach, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.96% | 1.46% | -0.50% | 27th below |
| ROAE | 13.35% | 12.72% | +0.63% | 58th above |
| Net Interest Margin | 2.94% | 3.85% | -0.91% | 13th bottom |
| Efficiency Ratio | 60.29% | 57.40% | +2.89% | 44th below |
| PPNR / Avg Assets | 1.54% | 1.88% | -0.34% | 39th below |
| Yield on Earning Assets | 6.60% | 5.72% | +0.88% | 91st top |
| Cost of Funds | 4.24% | 2.01% | +2.23% | 0th bottom |
| Net Interest Spread | 2.61% | 3.18% | -0.57% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.12% | 1.00% | +4.12% | 1st bottom |
| NPA / Total Assets | 4.77% | 0.76% | +4.01% | 1st bottom |
| NCO / Avg Loans | 0.95% | 0.43% | +0.52% | 4th bottom |
| ACL / Total Loans | 0.67% | 1.31% | -0.64% | 8th bottom |
| ACL / NPLs (Coverage) | 13.07% | 543.84% | -530.77% | 1st bottom |
| Texas Ratio | 61.78% | 7.34% | +54.44% | 0th bottom |
| Provision / NCO | 99.59% | 619.16% | -519.57% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.90% | 17.34% | -1.44% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.90% | 17.37% | -1.47% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.16% | 18.42% | -1.26% | 78th top |
| Leverage Ratio | 7.08% | 11.44% | -4.36% | 0th bottom |
| Equity / Assets | 7.28% | 11.34% | -4.06% | 4th bottom |
| TCE / Tangible Assets | 7.11% | 10.50% | -3.39% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.29% | 86.93% | +20.36% | 7th bottom |
| Core Deposit Ratio | 38.51% | 85.60% | -47.09% | 1st bottom |
| Uninsured Deposit Ratio | 8.39% | 33.15% | -24.76% | 97th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.99% | 5.70% | -0.71% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 24.94% | 9.67% | +15.27% | 93rd top |
| Loan Growth (Y/Y) | 20.67% | 8.04% | +12.63% | 92nd top |
| Deposit Growth (Y/Y) | 29.85% | 7.85% | +22.00% | 94th top |
See First Bank of the Lake's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of the Lake, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank of the Lake profile, how to read a UBPR, or how this data updates.