First Bank of the Lake
Osage Beach, MO
IDRSSD: 758851
Total Assets
$2.02B
Latest filing
Total Deposits
$1.74B
Latest filing
Net Interest Margin
3.61%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Bank of the Lake
4558 Osage Beach Pkwy
Osage Beach, MO 65065
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/15/1987FDIC Certificate 36371
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First Bank of the Lake (Main) | 4558 Osage Beach Pkwy | Osage Beach, MO | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/15/1987 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65065 |
| State and County Number | 29029 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 242 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/15/1987 |
| Primary Insurance Agency | DIF |
| Website | www.fblake.bank |
| Data Updated | 11/14/2025 |
| CERT | 26960 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.02B |
| Total Deposits | $1.74B |
| Total Liabilities | $1.86B |
| Total Equity Capital | $155.10M |
| Net Income | $4.96M |
| Net Loans and Leases | $1.88B |
| Assets Per Employee ($Millions) | $8.37M |
| Bank Premises and Fixed Assets | $3.65M |
| Cash and Balances due from Depository Institutions | $62.03M |
| Deposits Held in Domestic Offices | $1.74B |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 13.56% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 57.26% |
| Tier 1 Risk-Based Capital Ratio | 16.631% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.61% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.686% |
| Earning Assets to total Assets | 97.89% |
Income and Expense
| Total Interest Income | $35.77M |
| Total Noninterest Income | $1.35M |
| Total Interest Expense | $18.62M |
| Total Noninterest Expense | $10.59M |
| Net Interest Income | $17.15M |
| Pre-tax Net Operating Income | $4.96M |
| Provision for Credit Losses | $2.94M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $99.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $20.69M |
| Total Liabilities and Capital | $2.02B |
Securities
| Securities | $38.98M |
| Available-for-sale debt securities | $37.47M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.52M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank of the Lake?
$2.02B as of the latest filing.
How much are First Bank of the Lake's total deposits?
$1.74B in total deposits.
Where is First Bank of the Lake located?
Osage Beach, MO.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
1.
When was it established?
05/15/1987.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$1.88B (latest filing).
What is the total interest income (latest filing)?
$35.77M.