First Bank of the Lake
Osage Beach, MO
IDRSSD: 758851
Total Assets
$2.27B
Latest filing
Total Deposits
$1.94B
Latest filing
Net Interest Margin
3.48%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
081505634OSAGE BEACH, MO081519756OSAGE BEACH, MO
Key People
Loading leadership data...
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 01/30/2026Established 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
Similar banks
Omb Bank
Springfield, Missouri
→
Assets: $2.01BΔ -0.6%
Lead Bank
Kansas City, Missouri
→
Assets: $1.97BΔ -2.2%
Hawthorn Bank
Jefferson City, Missouri
→
Assets: $1.92BΔ -4.8%
Legacy Bank & Trust Company
Mountain Grove, Missouri
→
Assets: $1.84BΔ -9.0%
Guaranty Bank
Springfield, Missouri
→
Assets: $2.45BΔ +21.3%
Sterling Bank
Poplar Bluff, Missouri
→
Assets: $1.51BΔ -25.3%
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 | 241 |
| 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 | 01/30/2026 |
| CERT | 26960 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.27B |
| Total Deposits | $1.94B |
| Total Liabilities | $2.11B |
| Total Equity Capital | $159.51M |
| Net Income | $3.47M |
| Net Loans and Leases | $2.07B |
| Assets Per Employee ($Millions) | $9.4M |
| Bank Premises and Fixed Assets | $9.26M |
| Cash and Balances due from Depository Institutions | $100.44M |
| Deposits Held in Domestic Offices | $1.94B |
Key Performance Ratios
| Return on Assets (ROA) | 0.65% |
| Return on Equity (ROE) | 8.83% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 59.74% |
| Tier 1 Risk-Based Capital Ratio | 15.632% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.97% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.038% |
| Earning Assets to total Assets | 95.92% |
Income and Expense
| Total Interest Income | $37.97M |
| Total Noninterest Income | $3.50M |
| Total Interest Expense | $19.92M |
| Total Noninterest Expense | $12.88M |
| Net Interest Income | $18.05M |
| Pre-tax Net Operating Income | $3.47M |
| Provision for Credit Losses | $5.20M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $145.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $25.78M |
| Total Liabilities and Capital | $2.27B |
Securities
| Securities | $7.57M |
| Available-for-sale debt securities | $6.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.53M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank of the Lake?
$2.27B as of the latest filing.
How much are First Bank of the Lake's total deposits?
$1.94B in total deposits.
Where is First Bank of the Lake located?
Osage Beach, MO.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
1.
When was it established?
05/15/1987.
What is the Return on Assets (ROA)?
0.65%.
How much are total loans and leases?
$2.07B (latest filing).
What is the total interest income (latest filing)?
$37.97M.