Bank · FDIC insured
First Bank of the Lake
Top CarrotA $2.3B bank headquartered in Osage Beach, MO, with 1 branch in Missouri. Best rates: CDs 4.55% and savings 4.00% APY.
First Bank of the Lake Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#4 of 160 in MissouriHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Bank of the Lake
Founded in 1985, First Bank of the Lake originated as a local bank in Osage Beach, Missouri.
The bank focuses on nationwide government-guaranteed SBA lending and supporting the Lake of the Ozarks community.
- Headquarters
- 4558 Osage Beach Pkwy, Osage Beach, MO 65065
- FDIC certificate
- 26960 ↗
Branches
1 branch in Missouri
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Missouri
1 branch
- First Bank of the LakeMain office4558 Osage Beach Pkwy, Osage Beach, MO 65065Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.08% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 3.70% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.83% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $107 | $88 | — |
- CapitalLeverage ratio7.08%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent3.70%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.83%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$107Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Bank of the Lake are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.