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First Bank of the Lake

Osage Beach, MO · Cert 26960 · Fbol Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$2.3BAssets
$2.2BLoans
$2.0BDeposits
$170.0MEquity
Loan mix
53%RE $1.1B47%C&I $1.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $2.0B1%Noninterest $0.0BQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.65%, up 56 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 3.70% of loans (+25 bps YoY), with net charge-offs at 0.61%.
  • Capital: tier 1 leverage ratio of 7.08%, down 49 bps from a year ago.
  • Funding: loans stand at 107.29% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.65%+56 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-13 bps YoY

Efficiency Ratio (YTD, annualized)

62.64%-1,446 bps YoY

Tier 1 Leverage Ratio

7.08%-49 bps YoY

NIM

7.87%Q2 ’246.98%Q2 ’256.58%Q2 ’26-19%-4%

Non-interest income vs. expense

2.39%Q2 ’242.60%Q2 ’252.32%Q2 ’26+11%-31%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.71%-0.55%0.10%0.35%0.43%0.54%0.65%+56 bps
Return on Equity10.16%9.49%-7.63%1.33%4.75%5.90%7.59%9.07%+774 bps
Net Interest Margin3.56%3.39%3.18%3.18%3.20%3.07%3.30%3.05%-13 bps
Efficiency Ratio63.58%66.04%88.27%77.10%69.57%65.36%65.20%62.64%-1,446 bps
Non-Interest Burden2.19%2.16%2.75%2.40%2.15%1.89%2.03%1.66%-74 bps
Growth
Asset Growth (YoY)75.04%61.65%48.37%40.24%37.91%44.12%34.58%24.94%-1,530 bps
Loan Growth (YoY)82.68%66.84%53.32%43.86%34.02%38.28%30.81%20.67%-2,319 bps
Deposit Growth (YoY)65.94%65.62%60.37%35.74%48.06%38.19%34.95%29.85%-588 bps
Asset Quality
Nonperforming Loans / Loans2.60%2.87%3.56%3.45%3.45%3.07%3.76%3.70%+25 bps
Net Charge-Offs / Loans0.16%0.11%0.27%0.38%0.28%0.35%0.26%0.61%+23 bps
Allowance / Loans0.46%0.53%0.65%0.58%0.67%0.70%0.75%0.67%+9 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio7.30%7.36%7.58%7.58%8.03%7.57%7.30%7.08%-49 bps
Total Risk-Based Capital15.38%15.66%16.96%17.08%17.88%16.97%17.22%17.16%+8 bps
Equity / Assets7.06%7.17%7.26%7.37%7.69%7.08%7.20%7.28%-9 bps
Liquidity & Funding
Loans / Deposits119.70%107.63%113.41%115.46%108.35%107.69%109.94%107.29%-817 bps
Liquid Assets / Assets1.20%2.11%0.49%0.69%3.09%4.32%3.13%3.56%+287 bps
CRE / Total Capitaln/an/an/an/a625%677%686%n/an/a