D
First Bank of the Lake
Rating Date
October 2025
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 2.90
Capitalization Index 6.00
Liquidity Index 0.20
Profitability Index 0.60
Stability Index 6.10
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 37.91%
5-Year Asset Growth 254.36%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.31%
Non-Performing Assets to Assets 1.66%
Non-Performing Loans to Capital 11.21%
Non-Performing Loans to Loans 4.24%
Balance Sheet First Bank of the Lake
Osage Beach, MO
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Total Assets 2.02B
Total Deposits 1.74B
Capital and Reserves First Bank of the Lake
Osage Beach, MO
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Capital 155.10M
Leverage Ratio 8.03
Loan Loss Reserves to Loans 0.67%
Risk-Based Capital Ratio 17.88
Liquidity First Bank of the Lake
Osage Beach, MO
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Hot Money Ratio 24.79%
Liquidity Ratio 5.42%
Profitability First Bank of the Lake
Osage Beach, MO
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5-Year Return on Average Assets 1.58%
Net Income 6.02M
Net Interest Spread 3.48%
Operating Profit to Average Assets 0.45%
Overhead Efficiency Ratio 69.57%
Return on Assets 0.45%
Return on Equity 6.07%