Headquartered in Osage Beach, Missouri, First Bank of the Lake is a state-chartered bank with $2.3B in total assets and $2.0B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1987.
First Bank of the Lake has a TellerScore of 26 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 193rd. Funding & liquidity contributes the most (54/100, 107% loans-to-deposits, 8% uninsured); loan quality contributes the least (0/100, 3.70%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (22 → 26), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 33 |
| Q4 2024 | 30 |
| Q1 2025 | 17 |
| Q2 2025 | 22 |
| Q3 2025 | 27 |
| Q4 2025 | 27 |
| Q1 2026 | 25 |
| Q2 2026 | 26 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.17% |
| Q3 2024 | 7.30% |
| Q4 2024 | 7.36% |
| Q1 2025 | 7.58% |
| Q2 2025 | 7.58% |
| Q3 2025 | 8.03% |
| Q4 2025 | 7.57% |
| Q1 2026 | 7.30% |
| Q2 2026 | 7.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.75% |
| Q3 2024 | 2.60% |
| Q4 2024 | 2.87% |
| Q1 2025 | 3.56% |
| Q2 2025 | 3.45% |
| Q3 2025 | 3.45% |
| Q4 2025 | 3.07% |
| Q1 2026 | 3.76% |
| Q2 2026 | 3.70% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.90% |
| Q1 2025 | -0.55% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 26 | $2.3B | 7.08% | 3.70% | 0.83% | 106.6% |
| Q1 2026 | 25 | $2.3B | 7.30% | 3.76% | 0.69% | 109.1% |
| Q4 2025 | 27 | $2.3B | 7.57% | 3.07% | 0.55% | 106.9% |
| Q3 2025 | 27 | $2.0B | 8.03% | 3.45% | 0.45% | 107.6% |
| Q2 2025 | 22 | $1.9B | 7.58% | 3.45% | 0.12% | 114.8% |
| Q1 2025 | 17 | $1.7B | 7.58% | 3.56% | -0.55% | 112.7% |
| Q4 2024 | 30 | $1.6B | 7.36% | 2.87% | 0.90% | 107.1% |
| Q3 2024 | 33 | $1.5B | 7.30% | 2.60% | 0.98% | 119.2% |
| Q2 2024 | 49 | $1.3B | 8.17% | 1.75% | 1.35% | 108.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omb BankBank Springfield, MO | 62 out of 100, Moderate | $2.4B | 9.2% | 0.83% | vs |
| Guaranty BankBank Springfield, MO | 68 out of 100, Moderate | $2.4B | 12.3% | 0.88% | vs |
| BTC BankBank Bethany, MO | 60 out of 100, Moderate | $1.9B | 9.4% | 0.72% | vs |
| Lead BankBank Kansas City, MO | 44 out of 100, Below average | $2.8B | 7.4% | 3.26% | vs |
| Legacy Bank & Trust CompanyBank Mountain Grove, MO | 64 out of 100, Moderate | $1.8B | 11.9% | 1.47% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
Deposit insurance
Is my money safe at First Bank of the Lake?
Yes. First Bank of the Lake is an FDIC-insured institution (FDIC certificate #26960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.4% of deposits ($170.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.16% (benchmark: 10%).
1 location
Branches
First Bank of the Lake lists 1 office in 1 city. Most locations:
- Osage Beach, MO (1)
Identity & history
Profile
- Legal name
- First Bank of the Lake
- Former names
- First Bank Centre
- Type
- State-chartered bank
- FDIC certificate #
- 26960
- RSSD ID
- 758851
- Primary regulator
- FDIC
- Holding company
- Fbol Bancshares Inc
- Established
- May 15, 1987
- Headquarters
- 4558 Osage Beach Pkwy, Osage Beach, MO 65065
- Website
- www.fblake.bank
- Employees
- 249
Quick answers
First Bank of the Lake: common questions
Is First Bank of the Lake FDIC insured?
Yes. First Bank of the Lake is an FDIC-insured institution (FDIC certificate #26960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank of the Lake's TellerScore?
26 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank of the Lake ever failed?
There is no failure record for FDIC certificate #26960 in the FDIC failed bank list.
How many branches does First Bank of the Lake have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Osage Beach
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Our Lady of Snows Credit UnionCredit union Henley, MO | 96 out of 100, Very strong | $4.6M | 15.3% | 0.00% | vs |
| The Bank of VersaillesBank Versailles, MO | 89 out of 100, Very strong | $359.0M | 15.0% | 0.03% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| The Citizens-Farmers Bank of Cole CampBank Cole Camp, MO | 85 out of 100, Very strong | $207.0M | 14.8% | 1.35% | vs |
| Concordia Bank of Concordia, MissouriBank Concordia, MO | 80 out of 100, Strong | $130.0M | 11.9% | 0.32% | vs |
| Patriots BankBank Garnett, KS | 77 out of 100, Strong | $268.8M | 9.2% | 0.00% | vs |