🏦Bank Scorer

FIRST BANK OF THE LAKE

OSAGE BEACH, MO · Supervised by FDIC

Est. 1987FDIC #26,960RSSD: FDIC-26960
Part ofFBOL BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

4558 Osage Beach Pkwy, OSAGE BEACH, MO

County

Camden County

Established

May 15, 1987

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2024

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.0B

Net Loans

$2.2B

Net Income

$4M

ROA

0.69%

ROE

9.65%

Risk-Based Capital

17.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$1.6B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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