D
First Bank of the Lake
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First Bank of the Lake
Osage Beach, MO
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Rating D
Asset Quality Index 2.40
Capitalization Index 5.60
Liquidity Index 0.30
Profitability Index 3.10
Stability Index 6.70
Company Info First Bank of the Lake
Osage Beach, MO
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FDIC Number 26960
Phone Number (573) 348-2265
Website www.fblake.bank
Asset Quality First Bank of the Lake
Osage Beach, MO
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1-Year Asset Growth 44.12%
5-Year Asset Growth 49.99%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.41%
Non-Performing Assets to Assets 2.09%
Non-Performing Loans to Capital 18.79%
Non-Performing Loans to Loans 4.54%
Balance Sheet First Bank of the Lake
Osage Beach, MO
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Total Assets 2.27B
Total Deposits 1.94B
Capital and Reserves First Bank of the Lake
Osage Beach, MO
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Capital 160.35M
Leverage Ratio 7.57
Loan Loss Reserves to Loans 0.70%
Risk-Based Capital Ratio 16.97
Liquidity First Bank of the Lake
Osage Beach, MO
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Hot Money Ratio 26.25%
Liquidity Ratio 5.13%
Profitability First Bank of the Lake
Osage Beach, MO
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5-Year Return on Average Assets 1.58%
Net Income 10.34M
Net Interest Spread 3.52%
Operating Profit to Average Assets 0.56%
Overhead Efficiency Ratio 65.36%
Return on Assets 0.56%
Return on Equity 7.45%