Bank Safety Analysis
Is First Bank of the Lake Safe? Osage Beach, Missouri
Based on its Q3 2026 call report, First Bank of the Lake meets every capital ratio test for well capitalized, its Texas ratio is 16.85%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First Bank of the Lake safe?
On its Q3 2026 call report, First Bank of the Lake's CET1 ratio is 15.50%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 15.50%
- Tier 1 leverage ratio (Q3 2026): 7.17%
- Texas ratio (Q3 2026): 16.85%
- Noncurrent loans ratio (Q3 2026): 4.05%
First Bank of the Lake is an FDIC-insured commercial bank (FDIC Certificate #26960). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Bank of the Lake (FDIC Certificate #26960) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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First Bank of the Lake is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 2 risk screens are flagged: nonperforming loan ratio and loan-to-deposit ratio.
The standout move of Q3 2026 was in return on assets: 0.59 percentage points lower than in Q2 2026, at 0.37%. Within Missouri, First Bank of the Lake is 34th of 88 on CET1 ratio, 15.50% as of Q3 2026. First Bank of the Lake reported 15.50% on CET1 ratio for Q3 2026, 1.90 points above the 13.60% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, First Bank of the Lake's CET1 ratio ranged between 14.48% (Q3 2024) and 16.63% (Q3 2025) and its Texas ratio ranged between 2.40% (Q1 2024) and 16.85% (Q3 2026). Between Q3 2025 and Q3 2026, First Bank of the Lake's CET1 ratio fell from 16.63% to 15.50%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 3.45% to 4.05%, Texas ratio rose from 11.22% to 16.85% and return on assets fell from 1.04% to 0.37%.
By total assets at Q3 2026, First Bank of the Lake is the 19th largest of the 191 banks headquartered in Missouri. Owner-occupied commercial real estate loans are its largest loan category, $1.08B of $2.23B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, First Bank of the Lake's CET1 ratio of 15.50% is above the 13.60% median, Tier 1 leverage ratio of 7.17% is below the 10.54% median, nonperforming loans ratio of 4.05% is above the 0.54% median, Texas ratio of 16.85% is above the 3.95% median, and efficiency ratio of 67.88% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
First Bank of the Lake's 12-month failure risk score is 0.11 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does First Bank of the Lake score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does First Bank of the Lake trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 15.50% | Within range |
| Texas ratio BankRegReports band | 16.85% | Within range |
| Nonperforming loan ratio BankRegReports band | 4.05% | Flagged |
| Uninsured deposit share BankRegReports band | 8.94% | Within range |
| Loan-to-deposit ratio BankRegReports band | 106.51% | Flagged |
| Commercial real estate to capital supervisory threshold | 73.56% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 15.50% |
| Q2 2026 | 15.90% |
| Q1 2026 | 15.96% |
| Q4 2025 | 15.72% |
| Q3 2025 | 16.63% |
| Q2 2025 | 15.86% |
| Q1 2025 | 15.71% |
| Q4 2024 | 14.62% |
| Q3 2024 | 14.48% |
| Q2 2024 | 15.80% |
| Q1 2024 | 15.88% |
| Q4 2023 | 16.01% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 16.85% |
| Q2 2026 | 13.27% |
| Q1 2026 | 14.40% |
| Q4 2025 | 9.70% |
| Q3 2025 | 11.22% |
| Q2 2025 | 12.18% |
| Q1 2025 | 11.62% |
| Q4 2024 | 10.11% |
| Q3 2024 | 8.15% |
| Q2 2024 | 4.32% |
| Q1 2024 | 2.40% |
| Q4 2023 | 3.42% |
Loans by type, Q3 2026
- Owner-occupied commercial real estate loans: $1.08B
- Commercial and industrial loans: $994.5M
- Construction and land development loans: $132.3M
- 1-4 family residential loans: $14.8M
- Agricultural production loans: $4.2M
- Non-owner-occupied commercial real estate loans: $3.7M
- Other consumer loans: $535K
- Auto loans: $370K
How have First Bank of the Lake's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $2.39B | 15.50% | 7.17% | 4.05% | 16.85% | 67.88% |
| Jun 30, 2026 | $2.34B | 15.90% | 7.08% | 3.70% | 13.27% | 60.29% |
| Mar 31, 2026 | $2.33B | 15.96% | 7.30% | 3.76% | 14.40% | 65.16% |
| Dec 31, 2025 | $2.27B | 15.72% | 7.57% | 3.07% | 9.70% | 55.81% |
| Sep 30, 2025 | $2.02B | 16.63% | 8.03% | 3.45% | 11.22% | 57.22% |
| Jun 30, 2025 | $1.87B | 15.86% | 7.58% | 3.45% | 12.18% | 66.86% |
| Mar 31, 2025 | $1.73B | 15.71% | 7.58% | 3.56% | 11.62% | 88.21% |
| Dec 31, 2024 | $1.57B | 14.62% | 7.36% | 2.87% | 10.11% | 72.37% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Bank of the Lake FDIC insured?
Yes. First Bank of the Lake is an FDIC-insured commercial bank (FDIC Certificate #26960). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Bank of the Lake well capitalized?
On its Q3 2026 call report, First Bank of the Lake's CET1 ratio is 15.50%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are First Bank of the Lake's key safety ratios?
For Q3 2026, First Bank of the Lake reports CET1 15.50%, leverage 7.17%, Texas ratio 16.85%, noncurrent loans 4.05%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if First Bank of the Lake fails?
For Q3 2026, First Bank of the Lake reported $2.09B in total deposits, 8.94% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full First Bank of the Lake profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
First Bank of the Lake fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 26960) · FFIEC NIC profile (RSSD 758851)
Explore: Full First Bank of the Lake profile · Other banks in MO · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.