First Bank of the Lake
Osage Beach, MO · Cert 26960 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 81% of banks $1B-$10B in assets (rank 63 of 328).
- Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets (rank 317 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.64%
Rank 291 of 328
Net Interest Margin
3.05%
Rank 245 of 328
Efficiency Ratio
62.64%
Rank 200 of 328
Equity / Assets
7.28%
Rank 318 of 328
Non-interest income vs. expense
Unfavorable gap of $38.9M · efficiency ratio beats 39% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.91% | 1.22% | 1.52% | Beats 11% | 291 / 328 | | |
| Return on Equity | 8.85% | 8.43% | 11.45% | 14.43% | Beats 28% | 235 / 328 | | |
| Net Interest Margin | 3.05% | 3.03% | 3.45% | 3.83% | Beats 25% | 245 / 328 | | |
| Efficiency Ratio | 62.64% | 51.61% | 59.56% | 67.53% | Beats 39% | 200 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.70% | 0.24% | 0.51% | 1.03% | Beats 2% | 317 / 322 | | |
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.03% | 0.10% | Beats 9% | 295 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 15.90% | 11.75% | 13.15% | 15.47% | Beats 79% | 69 / 328 | | |
| Total Risk-Based Capital Ratio | 17.16% | 12.63% | 14.15% | 16.46% | Beats 81% | 63 / 328 | | |
| Equity / Assets | 7.28% | 9.15% | 10.33% | 12.01% | Beats 3% | 318 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.29% | 76.63% | 87.92% | 95.36% | 94th pctl | 19 / 323 | | |
| Loans / Assets | 93.12% | 65.18% | 74.15% | 79.98% | 98th pctl | 5 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |