First Bank of the Lake
Osage Beach, MO · Cert 26960 · Peer group: banks $1B-$10B in assets (n=313-319) · Fbol Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$2.3BAssets
$2.2BLoans
$2.0BDeposits
$170.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 82% of banks $1B-$10B in assets (rank 57 of 319).
- Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets (rank 309 of 313).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.64%
Rank 282 of 319
Net Interest Margin
3.05%
Rank 242 of 319
Efficiency Ratio
62.64%
Rank 192 of 319
Equity / Assets
7.28%
Rank 308 of 319
Non-interest income vs. expense
Unfavorable gap of $38.9M · efficiency ratio beats 40% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.91% | 1.21% | 1.53% | Beats 12% | 282 / 319 | |
| Return on Equity | 8.85% | 8.49% | 11.44% | 14.57% | Beats 27% | 232 / 319 | |
| Net Interest Margin | 3.05% | 3.06% | 3.43% | 3.81% | Beats 24% | 242 / 319 | |
| Efficiency Ratio | 62.64% | 51.90% | 59.57% | 67.64% | Beats 40% | 192 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.70% | 0.25% | 0.54% | 1.18% | Beats 2% | 309 / 313 | |
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.04% | 0.12% | Beats 10% | 284 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 15.90% | 11.74% | 12.99% | 15.28% | Beats 80% | 63 / 319 | |
| Total Risk-Based Capital Ratio | 17.16% | 12.61% | 14.01% | 16.23% | Beats 82% | 57 / 319 | |
| Equity / Assets | 7.28% | 9.03% | 10.33% | 12.01% | Beats 3% | 308 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 107.29% | 76.76% | 88.16% | 95.43% | 94th pctl | 18 / 314 | |
| Loans / Assets | 93.12% | 65.79% | 74.05% | 79.84% | 99th pctl | 4 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |