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First Bank of the Lake

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

First Bank of the Lake is headquartered in Osage Beach and is the 198th largest bank in the state of Missouri. It is also the 4,245th largest bank in the nation. It was established in 1987 and as of March of 2019, it had grown to 19 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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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 - YTD1.79%
Return on Equity - YTD18.74%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$91.0MM$69.0MM
LoansQ1 2019vs Q1 2018$61.9MM$45.5MM
DepositsQ1 2019vs Q1 2018$82.1MM$61.4MM
Equity CapitalQ1 2019vs Q1 2018$8.3MM$7.3MM
Loan Loss AllowanceQ1 2019vs Q1 2018$680.00K$459.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$345.00K$0
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

0.75%*-$25kKasasa Saver
OTHER TIERS: 0.25% $25k+
0.05%-$200Statement Savings
0.05%--Business Statement Savings

First Bank of the Lake Money Market Rates

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

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

First Bank of the Lake CD Rates

2.30%$5k-33 Month CD Special
2.30%$5k-26 Month CD Special
2.30%$5k-42 Month CD Special
2.25%$5k-15 Month CD Special
2.20%$5k-9 Month CD Special
2.15%$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

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

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

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