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Overview / Commentary
4558 Osage Beach Pkwy Suite
Osage Beach, MO 65065

First Bank of the Lake is headquartered in Osage Beach and is the 241st largest bank in the state of Missouri. It is also the 5,144th largest bank in the nation. It was established in 1987 and as of December of 2016, it had grown to 13 employees at 1 location. First Bank of the Lake has a C+ health rating.


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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

FDIC Certificate #26960
Year Established1987
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.2%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$60.1MM$59.8MM
LoansQ4 2016vs Q4 2015$38.9MM$37.7MM
DepositsQ4 2016vs Q4 2015$53.2MM$53.4MM
Equity CapitalQ4 2016vs Q4 2015$6.7MM$6.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$392.00K$391.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$959.00K$736.00K
Real Estate OwnedQ4 2016vs Q4 2015$257.00K$7.00K

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