Total Assets
$2.3B
Total balance-sheet footings
FDIC Cert #26960 · Osage Beach, Missouri · Est. 1987
First Bank of the Lake - FDIC Bank Health Profile
A community-scale look at First Bank of the Lake's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.3B
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 15.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank of the Lake earns a PlainBankData health grade of B (66/100), with well-capitalized at 15.72% Tier 1, 0.55% ROA, 65% efficiency ratio.
- #538
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 15.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Bank of the Lake's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank of the Lake's composite health score
Tier 1 Capital Ratio (15.72%) 40/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (36.54%) 4/20
Efficiency Ratio (65.36%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.9B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank of the Lake ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank of the Lake's score of 66/100 falls in the highlighted band.
First Bank of the Lake's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank of the Lake's $2.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.72%
Texas Ratio
36.54%
Equity Capital
$160M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.55%
Return on Equity (ROE)
7.48%
Efficiency Ratio
65.36%
What the numbers say about First Bank of the Lake
First Bank of the Lake is an FDIC-insured institution (Certificate #26960) headquartered in Osage Beach, Missouri, established in 1987. It holds $2.3B in total assets - 538th of 4,313 FDIC-insured banks, $1.9B in customer deposits, and $2.1B in net loans. On safety, its Tier 1 capital ratio of 15.72% is above the 10% well-capitalized threshold, and its Texas Ratio of 36.54% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, First Bank of the Lake ranks 18th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$136M
Interest Income
$7M
Non-Interest Income
$46M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank of the Lake reports a Texas Ratio of 36.54% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
36.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank of the Lake (FDIC Cert #26960) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is First Bank of the Lake's health grade?▼
First Bank of the Lake receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Bank of the Lake?▼
First Bank of the Lake holds $2.3B in total assets and $1.9B in deposits, ranking 538th of 4,313 FDIC-insured banks by asset size. It is headquartered in Osage Beach, Missouri.
Is my money safe at First Bank of the Lake?▼
Yes, deposits at First Bank of the Lake (Certificate #26960) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank of the Lake's Tier 1 Capital Ratio?▼
First Bank of the Lake has a Tier 1 Capital Ratio of 15.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank of the Lake?▼
First Bank of the Lake has a Texas Ratio of 36.54%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank of the Lake?▼
First Bank of the Lake has an Efficiency Ratio of 65.36%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank of the Lake's profile as a depositor or analyst.
- First Bank of the Lake's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank of the Lake against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.