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4558 Osage Beach Pkwy Suite
Osage Beach, MO 65065

First Bank of the Lake is headquartered in Osage Beach and is the 238th largest bank in the state of Missouri. It is also the 5,071st largest bank in the nation. It was established in 1987 and as of June of 2017, it had grown to 15 employees at 1 location. First Bank of the Lake's CD rates are 23% higher than the national average, and it has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Bank of the Lake has a relatively low asset base.

Health Grade Components

FDIC Certificate #26960
Year Established1987
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD10.97%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$59.1MM$56.7MM
LoansQ2 2017vs Q2 2016$48.0MM$39.7MM
DepositsQ2 2017vs Q2 2016$51.8MM$50.1MM
Equity CapitalQ2 2017vs Q2 2016$7.0MM$6.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$396.00K$404.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$603.00K$698.00K
Real Estate OwnedQ2 2017vs Q2 2016$2.00K$257.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank of the Lake Savings Account Rates

0.05%-$200Statement Savings
0.05%--Business Statement Savings

First Bank of the Lake Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.25% $50k - $100k

First Bank of the Lake Checking Account Rates

0.05%$750-Interest Bearing Checking

First Bank of the Lake CD Rates

2.02%$5k-42 Month CD Special
1.76%$5k-33 Month CD Special
1.66%$5k-26 Month CD Special
1.56%$5k-15 Month CD Special
1.31%$5k-9 Month CD Special
1.26%$2k-24 Month CD
1.26%$2k-36 Month CD
1.26%$2k-48 Month CD
1.26%$2k-60 Month CD
1.21%$2k-18 Month CD
1.11%$2k-12 Month CD
1.00%$2k-6 Month CD
1.00%$2k-30 Month CD
1.00%$5k-6 Month CD Special
0.10%$2k-3 Month CD

First Bank of the Lake IRA Rates

2.02%$5k-42 Month IRA Special
1.76%$5k-33 Month IRA Special
1.66%$5k-26 Month IRA Special
1.56%$5k-15 Month IRA Special
1.26%$2k-24 Month IRA
1.26%$2k-36 Month IRA
1.26%$2k-48 Month IRA
1.26%$2k-60 Month IRA
1.21%$2k-18 Month IRA
1.11%$2k-12 Month IRA
1.00%$2k-30 Month IRA

First Bank of the Lake Locations
First Bank Of The Lake4558 Osage Beach Parkway Suite 100Osage Beach, MO 65065