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First Bank of the Lake


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fblake.bank
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 22nd largest bank in the state of Missouri. It is also the 672nd largest bank in the nation. It was established in 1987 and as of March of 2025, it had grown to 236 employees at 1 location. First Bank of the Lake's money market rates are 9X the national average, and it has an A health rating.

Reviews (2)

Great Rates And Excellent Service

Posted by: |

This bank has excellent rates some going out to 15 and 18 months. The opening process is simple and easy. Account was approved and funded same day that I applied. It doesn't get any better than this. Have opened multiple CDs with the same one-day approval and funding.

1

Rates And Newuser Setup

Posted by: |

I recently opened a CD account mid December 2024. The process to apply requires more information than other banks but was approved same day. If your credit report indicates identify theft you will need to provide additional information. Money was deposited within 5 business days. As of 12/30/2024 they have several CD specials with 1000.00 minimum to open here are some: 7 month at 4.85 APY, 9 and 15 month at 4.30 APY. Their savings and MMA accounts don't offer good rates unless you have over 250k. Has Android app for easier online access.

2


Health
A

Data as of Q1 2025

Capitalization grade does not factor in PPP loans and the use of the PPP Liquidity Facility.
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #26960
Year Established1987
Employees236
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.55%
Return on Equity - YTD-7.63%
Annual Interest Income$29.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.73B$1.17B
LoansQ1 2025vs Q1 2024$1.65B$1.08B
DepositsQ1 2025vs Q1 2024$1.47B$914.1MM
Equity CapitalQ1 2025vs Q1 2024$125.6MM$90.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10.8MM$3.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.3MM$557K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%*$0$25kKasasa Saver
OTHER TIERS: 0.35% → $25k+
0.25%$0-Traditional Savings

First Bank of the Lake Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$250k*-Money Market Account
OTHER TIERS: 0.25% → $0 - $25k | 0.50% → $25k - $50k | 1.00% → $50k - $100k | 2.50% → $100k - $250k
4.00%*$250k*-Business Money Market Account
OTHER TIERS: 0.25% → $0 - $25k | 0.50% → $25k - $50k | 1.00% → $50k - $100k | 2.50% → $100k - $250k

First Bank of the Lake Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0$10kKasasa Cash Checking

First Bank of the Lake CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.51%$1k-15 Month CD - in Branch (New Money)
4.51%$5k-15 Month CD - Online (New Money)
4.51%$1k-18 Month CD - in Branch (New Money)
4.51%$5k-18 Month CD - Online (New Money)
4.50%$1k-7 Month CD - in Branch
4.50%$5k-7 Month CD - Online
4.49%$1k-3 Month CD - in Branch
4.40%$1k-24 Month CD - in Branch (New Money)
4.40%$5k-24 Month CD - Online (New Money)
4.30%$1k-18 Month CD - in Branch
4.30%$1k-9 Month CD - in Branch
4.30%$5k-9 Month CD - Online
4.30%$1k-15 Month CD - in Branch
4.29%$1k-6 Month CD - in Branch
4.29%$5k-6 Month CD - Online
4.25%$1k-12 Month CD - in Branch
4.25%$5k-12 Month CD - Online
4.25%$1k-13 Month CD - in Branch
4.25%$5k-13 Month CD - Online
4.20%$1k-24 Month CD - in Branch
4.20%$1k-26 Month CD - in Branch
4.10%$1k-60 Month CD - in Branch
4.10%$5k-60 Month CD - Online
4.05%$1k-48 Month CD - in Branch
4.05%$1k-30 Month Rate Bump CD - in Branch
4.00%$1k-30 Month CD - in Branch
4.00%$1k-42 Month CD - in Branch
3.95%$1k-36 Month CD - in Branch
3.95%$5k-36 Month CD - Online

First Bank of the Lake IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.51%$5k-15 Month IRA - Online (New Money)
4.51%$5k-18 Month IRA - Online (New Money)
4.51%$1k-15 Month IRA - in Branch (New Money)
4.51%$1k-18 Month IRA - in Branch (New Money)
4.40%$5k-24 Month IRA - Online (New Money)
4.40%$1k-24 Month IRA - in Branch (New Money)
4.30%$1k-18 Month IRA - in Branch
4.30%$1k-15 Month IRA - in Branch
4.25%$1k-12 Month IRA - in Branch
4.25%$5k-12 Month IRA - Online
4.25%$5k-13 Month IRA - Online
4.25%$1k-13 Month IRA - in Branch
4.20%$1k-24 Month IRA - in Branch
4.20%$1k-26 Month IRA - in Branch
4.10%$1k-60 Month IRA - in Branch
4.10%$5k-60 Month IRA - Online
4.05%$1k-48 Month IRA -in Branch
4.05%$1k-30 Month Rate Bump IRA - in Branch
4.00%$1k-30 Month IRA - in Branch
4.00%$1k-42 Month IRA - in Branch
3.95%$1k-36 Month IRA - in Branch
3.95%$5k-36 Month IRA - Online
Locations


First Bank of the Lake Locations
First Bank Of The Lake4558 Osage Beach PkwyOsage Beach, MO 65065

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