First Bank of the Lake


Overview / Commentary
573-348-2265
4558 Osage Beach Pkwy Suite
Osage Beach, MO 65065

First Bank of the Lake is headquartered in Osage Beach and is the 206th largest bank in the state of Missouri. It is also the 4,417th largest bank in the nation. It was established in 1987 and as of December of 2018, it had grown to 16 employees at 1 location. First Bank of the Lake's money market rates are 2X the national average, and it has an A health rating.

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CD Specials At Missouri Bank - 12/18/2018

CD SPECIALS ($5,000 Minimum Opening Balance) 6 month special: 2.40% (2.40% APY) 9 month special: 2.58% (2.61% APY) 15 month special: 2.97% (3.00% APY) 26 month special: 3.02% (3.05% APY) 33 month special: 3.11% (3.15% APY) 42 month special: 3.21% (3.25% APY)

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Bank of the Lake has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #26960
Year Established1987
Employees16
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.83%
Return on Equity - YTD18%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$81.8MM$69.2MM
LoansQ4 2018vs Q4 2017$64.1MM$46.2MM
DepositsQ4 2018vs Q4 2017$73.0MM$61.7MM
Equity CapitalQ4 2018vs Q4 2017$8.2MM$7.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$681.00K$402.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$50.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank of the Lake Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$25kKasasa Saver
OTHER TIERS: 0.35% $25k+
0.05%-$200Statement Savings
0.05%--Business Statement Savings

First Bank of the Lake Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Money Market Account
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $50k | 0.50% $50k - $100k

First Bank of the Lake Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.41% $10k+

First Bank of the Lake CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$5k-42 Month CD Special
3.15%$5k-33 Month CD Special
3.05%$5k-26 Month CD Special
3.00%$5k-15 Month CD Special
2.61%$5k-9 Month CD Special
2.40%$5k-6 Month CD Special
1.91%$2k-48 Month CD
1.91%$2k-60 Month CD
1.71%$2k-36 Month CD
1.61%$2k-30 Month CD
1.51%$2k-24 Month CD
1.41%$2k-18 Month CD
1.31%$2k-12 Month CD
0.10%$2k-3 Month CD

First Bank of the Lake IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$5k-42 Month IRA Special
3.15%$5k-33 Month IRA Special
3.05%$5k-26 Month IRA Special
3.00%$5k-15 Month IRA Special
1.91%$2k-48 Month IRA
1.91%$2k-60 Month IRA
1.71%$2k-36 Month IRA
1.61%$2k-30 Month IRA
1.51%$2k-24 Month IRA
1.41%$2k-18 Month IRA
1.31%$2k-12 Month IRA
Locations


First Bank of the Lake Locations
First Bank Of The Lake4558 Osage Beach Parkway Suite 100Osage Beach, MO 65065

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