First Bank Of The Lake is a bank based in Osage Beach, Missouri, established in 1987, with $2.3 billion in total assets across 1 branch. By Trust Grade it ranks 180th of 195 banks we track in Missouri. Its capital ratio of 7.2% trails most similarly sized banks (5th percentile), versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 0.69% return on assets. No consumer complaints against First Bank Of The Lake appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Bank Of The Lake compares to Missouri peers
How we graded First Bank Of The Lake
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.2% capital ratio)
- Profitable (ROA 0.69%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Bank Of The Lake over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 4558 Osage Beach Pkwy, Osage Beach, MO 65065
Are deposits at First Bank Of The Lake insured?
Yes. First Bank Of The Lake is an FDIC-insured bank (FDIC certificate #26960). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Bank Of The Lake: frequently asked questions
Is First Bank Of The Lake a good bank?
First Bank Of The Lake earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (7.2% capital ratio); Profitable (ROA 0.69%).
Is First Bank Of The Lake FDIC-insured?
Yes. First Bank Of The Lake is a FDIC-insured bank (FDIC certificate #26960). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Bank Of The Lake?
First Bank Of The Lake holds $2.3 billion in total assets, ranking 180th of 195 banks we track in Missouri. It operates 1 branch.
Does First Bank Of The Lake have CFPB complaints?
No CFPB complaints against First Bank Of The Lake appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
