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First Bank of the Lake


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
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 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
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 21st largest bank in the state of Missouri. It is also the 762nd largest bank in the nation. It was established in 1987 and as of September of 2024, it had grown to 273 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.

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6 MO Cd At 5.57% Apy And HYSA At 5.25% Apy Now Available Online - 5/23/2024

This bank has always had decent rates but was only available to open in branch in Missouri. Just recently they now allow accounts to be opened online for CD's and an online savings account 6 month at 5.57% apy Online savings at 5.25% apy They are a relatively small bank but has always had a good financial rating

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Reviews (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 Q3 2024

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
Employees273
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD12.89%
Annual Interest Income$76.9MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.46B$836MM
LoansQ3 2024vs Q3 2023$1.4B$768.6MM
DepositsQ3 2024vs Q3 2023$1.18B$709.4MM
Equity CapitalQ3 2024vs Q3 2023$103.3MM$73.2MM
Loan Loss AllowanceQ3 2024vs Q3 2023$6.4MM$2.6MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1.7MM$304K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
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 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Bank of the Lake; we are a rate comparison website and cannot provide official rates or promotions.

* 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

First Bank of the Lake Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$10kKasasa Cash Checking
OTHER TIERS: 0.41% → $10k+

First Bank of the Lake CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-3 Month CD
4.50%$1k-7 Month CD Special
4.30%$1k-6 Month CD
4.30%$1k-9 Month CD Special
4.30%$1k-15 Month CD Special
4.25%$1k-12 Month CD
4.25%$1k-18 Month CD
4.25%$1k-13 Month CD Special
4.20%$1k-26 Month CD Special
4.15%$1k-24 Month CD
4.10%$1k-60 Month CD
4.05%$1k-48 Month CD
4.05%$1k-33 Month CD Special
4.05%$1k-30 Month Bump-Up CD Special
4.00%$1k-42 Month CD Special
3.95%$1k-36 Month CD

First Bank of the Lake IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-3 Month IRA
4.50%$1k-7 Month IRA Special
4.30%$1k-15 Month IRA Special
4.30%$1k-9 Month IRA Special
4.30%$1k-6 Month IRA
4.25%$1k-12 Month IRA
4.25%$1k-18 Month IRA
4.25%$1k-13 Month IRA Special
4.20%$1k-26 Month IRA Special
4.15%$1k-24 Month IRA
4.10%$1k-60 Month IRA
4.05%$1k-48 Month IRA
4.05%$1k-33 Month IRA Special
4.05%$1k-30 Month Bump-Up IRA Special
4.00%$1k-42 Month IRA Special
3.95%$1k-36 Month IRA
Locations


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

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