First Bank of the Lake
Osage Beach, Missouri · FDIC Cert #26960
First Bank of the Lake is an FDIC-insured bank (Certificate #26960) with $1.3B in total assets and $1.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Osage Beach, Missouri, the bank maintains a Tier 1 capital ratio of 15.80% (Well-Capitalized) and a nonperforming loan ratio of 1.75%. BankHealthData assigns a composite Health Grade of C (62/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Bank of the Lake (FDIC cert 26960) is a mid-sized bank with $1.3B in total assets and $1.2B in deposits, based in Osage Beach, Missouri. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 15.80% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.75% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 3.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.35% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Bank of the Lake carries a composite BankHealth grade of C (62/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Bank of the Lake
- Total Assets
- $1.3B
- Total Deposits
- $1.2B
- Tier 1 Capital Ratio
- 15.80%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.75%
- Liquidity Ratio
- 3.54%
- Return on Assets
- 1.35%
- Headquarters
- Osage Beach, Missouri
- FDIC Certificate
- #26960
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Bank of the Lake holds a Tier 1 capital ratio of 15.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Bank of the Lake has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Bank of the Lake shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Bank of the Lake Compares
First Bank of the Lake’s Health Score of 62 is 5 points below the Missouri state average of 67 across 193 FDIC-insured banks. Its 15.80% Tier 1 capital ratio is 1.8 points above the US banking industry average near 14%. The 1.75% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.35% is in line with or above the national ROA benchmark of ~1.1%. Among 843 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, First Bank of the Lake is 8 points below the portfolio average of 70.
Frequently Asked Questions
First Bank of the Lake has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 15.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Bank of the Lake's Tier 1 capital ratio of 15.80% and nonperforming loan ratio of 1.75% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Bank of the Lake is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26960). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Bank of the Lake holds $1.3B in total assets and $1.2B in total deposits. It is headquartered in Osage Beach, Missouri (FDIC Certificate #26960).
First Bank of the Lake has a Tier 1 capital ratio of 15.80%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.75%, and the return on assets is 1.35%.
Yes. First Bank of the Lake is FDIC-insured (Certificate #26960). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Bank of the Lake's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.