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First Bank Of The Lake
Osage Beach, MO · FDIC Certificate #26960 · Chartered 05/1
Total assets
$2.34B
Total deposits
$2.03B
Total equity
$170.02M
Net loans
$2.16B
Branches (offices)
1
Net income (YTD)
$9.59M
Rank: #534 of 4,213 U.S. banks by assets · #19 of 190 in Missouri. Assets changed 24.9% and deposits 29.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 11.55% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 7.28% |
| Tier 1 leverage ratio | 7.08% |
| Uninsured deposits (share of deposits) | 8.4% |
| Noncurrent loans (share of loans) | 3.70% |
| Net charge-offs (share of loans) | 0.62% |
| Loans to deposits | 106.6% |
| Real estate loans (share of loans) | 54.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.18B | 54.8% | |
| Commercial & industrial | $984.08M | 45.6% | |
| Consumer / individual | $2.96M | 0.1% | |
| Construction & development | $106.39M | 4.9% | |
| Agricultural | $4.24M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $493.61M | $355.48M | $5.83M | $41.34M |
| Jun 2023 | $656.00M | $558.94M | $2.09M | $54.98M |
| Jun 2024 | $1.33B | $1.15B | $7.79M | $102.00M |
| Jun 2025 | $1.87B | $1.56B | $1.06M | $137.80M |
| Jun 2026 | $2.34B | $2.03B | $9.59M | $170.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $2.03B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.03B.
Similar-sized banks
Farmers And Merchants Trust Company Of Chambersburg ($2.34B) · Hanover Community Bank ($2.33B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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