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 42nd largest bank in the state of Missouri. It is also the 1,162nd largest bank in the nation. It was established in 1987 and as of September of 2023, it had grown to 186 employees at 1 location. First Bank of the Lake's money market rates are 10X the national average, and it has an A health rating.

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Health
A

Data as of Q3 2023

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
Employees186
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD10.88%
Annual Interest Income$37.6MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$836MM$488.4MM
LoansQ3 2023vs Q3 2022$768.6MM$416.5MM
DepositsQ3 2023vs Q3 2022$709.4MM$412.1MM
Equity CapitalQ3 2023vs Q3 2022$73.2MM$43.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.6MM$1.6MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$304K$917K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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%*-$25kKasasa Saver
OTHER TIERS: 0.35% $25k+
0.25%-$200Traditional Savings
0.25%--Young Savers

First Bank of the Lake Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.45%*$250k*-Money Market Account
OTHER TIERS: 0.75% Up to $25k | 1.00% $25k - $50k | 1.75% $50k - $100k | 3.25% $100k+

First Bank of the Lake Checking Account Rates

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

First Bank of the Lake CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$1k-6 Month CD Special
5.35%$1k-9 Month CD Special
5.15%$1k-13 Month CD Special
5.10%$1k-15 Month CD Special
4.90%$1k-26 Month CD Special
4.85%$1k-12 Month CD
4.80%$1k-30 Month Bump-Up CD Special
4.75%$1k-18 Month CD
4.65%$1k-24 Month CD
4.55%$1k-33 Month CD Special
4.45%$1k-42 Month CD Special
4.25%$1k-30 Month CD
4.15%$1k-36 Month CD
4.15%$1k-48 Month CD
4.15%$1k-60 Month CD
4.00%$1k-3 Month CD

First Bank of the Lake IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$1k-6 Month IRA Special
5.35%$1k-9 Month IRA Special
5.15%$1k-13 Month IRA Special
5.10%$1k-15 Month IRA Special
4.90%$1k-26 Month IRA Special
4.85%$1k-12 Month IRA
4.80%$1k-30 Month Bump-Up IRA Special
4.75%$1k-18 Month IRA
4.65%$1k-24 Month IRA
4.55%$1k-33 Month IRA Special
4.45%$1k-42 Month IRA Special
4.25%$1k-30 Month IRA
4.15%$1k-36 Month IRA
4.15%$1k-48 Month IRA
4.15%$1k-60 Month IRA
4.00%$1k-3 Month IRA
Locations


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

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