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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 26960 · MO B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3331/4307
  • PHOTO-FINISH PNB Community Bank · FL
  • TIER1-WELL 15.7% Tier 1
  • TEXAS-HEALTHY 36.5% Texas
  • ROA-THIN 0.55% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: PNB Community Bank, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank of the Lake

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hope · CA · near66/100Dedicated Community… · SC · …66/100First Bank of the Lake · MO …66/100PNB Community Bank · FL · ne…66/100StonehamBank, A Co-… · MA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank of the Lake · July 2026

Call Report read for First Bank of the Lake in a high-failure state

First Bank of the Lake (FDIC Cert #26960) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,331 of 4,307. Tier 1 capital prints at 15.72%, clearing the 10% well-capitalized line. The Texas Ratio is 36.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $2.3B, 538th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is PNB Community Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank of the Lake

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

First Bank of the Lake sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about First Bank of the Lake's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

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.

0/100100/100National avg77/10066/100
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 Assets

$2.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.32% 15.72% 17.12%
Basel III capital ratios - First Bank of the Lake

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 23rd percentile higher than 23% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank of the Lake 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First Bank of the Lake

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

What these ratios mean →

Profitability metrics: First Bank of the Lake

Return on Assets (ROA)
17th percentile nationally
0.55%
Return on Equity (ROE)
7.48%
Efficiency Ratio
65.36%

What these mean →

Income & expense at First Bank of the Lake

$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.

FDIC Failed Bank List → View First Bank of the Lake on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.3B here), outside Missouri so the neighborhood is not state containment.

Pinnacle Bank $2.3B · GA Commercial Bank $2.3B · TN Central Bank $2.3B · IA The Bank of Commerce $2.3B · ID

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.

First Bank of the Lake Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%