# FIRST BANK OF THE LAKE
OSAGE BEACH, MO · FDIC certificate 26960 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.34B | |
| Deposits | $2.03B | |
| Loans and leases | $2.17B | |
| Total equity | $170.0M | |
| Loans / deposits | 106.57% (p94 of band) | 87.10% |
| Liquid assets / assets | 3.85% (p1 of band) | |
| Uninsured deposits / deposits | 8.39% (p3 of band) | 30.76% |
| Brokered deposits | 49.08% | |
| Wholesale funding | 54.07% (p99 of band) | |
| FHLB advances / assets | 4.99% | |
| Tier 1 leverage | 7.08% (p1 of band) | 10.50% |
| Unrealized securities loss / equity | 0.04% (p99 of band) | -7.75% |
| AOCI / equity | -0.75% (p25 of band) | |
| ROA (annualized) | 0.83% (p20 of band) | 1.26% |
| Net interest margin | 3.21% (p23 of band) | 3.70% |
| Efficiency ratio | 62.64% (p62 of band) | |
| Noncurrent loans | 3.70% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.57% (p95 of band) | |
| Reserve coverage of noncurrent | 18.09% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 62.58% (p65 of band) | |
| Auto loans | $402,000 (0.02% of loans; DQ 10.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 29.9% | |
| Employees | 249 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | losing money, expense ratio p90 |  |
| 2012-06 | 2 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-09 | 4 | losing money, noncurrent p90 |  |
| 2012-12 | 6 | deposits shrinking, assets shrinking |  |
| 2013-03 | 2 | charge-offs p90 | uninsured deposits leaving, losing money, noncurrent p90, deposits shrinking, assets shrinking |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 3 | losing money | reserve under noncurrent |
| 2013-12 | 2 |  | losing money |
| 2014-03 | 1 | uninsured deposits leaving | charge-offs p90, capital falling |
| 2014-06 | 2 | losing money, reserve under noncurrent | uninsured deposits leaving |
| 2014-09 | 5 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2014-12 | 3 |  | capital falling, noncurrent p90 |
| 2015-03 | 1 |  | losing money, charge-offs p90 |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 | expense ratio p90 | capital falling |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | expense ratio p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | capital falling | reserve under noncurrent |
| 2018-03 | 2 | brokered >10% |  |
| 2018-06 | 1 |  | brokered >10% |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2019-06 | 4 | capital falling, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2019-09 | 4 |  |  |
| 2019-12 | 1 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2020-03 | 3 | losing money, expense ratio p90 |  |
| 2020-06 | 7 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, leverage <7%, capital falling | charge-offs p90 |
| 2020-09 | 3 |  | losing money, expense ratio p90, leverage <7%, capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | reserve under noncurrent |  |
| 2022-03 | 4 | assets shrinking | liquid assets <10%, charge-offs p90 |
| 2022-06 | 6 | liquid assets <10%, noncurrent p90 |  |
| 2022-09 | 6 | capital falling, charge-offs p90 | wholesale funding >15%, liquid assets <10% |
| 2022-12 | 6 | liquid assets <10% | capital falling |
| 2023-03 | 5 | uninsured deposits leaving | assets shrinking, charge-offs p90 |
| 2023-06 | 6 | brokered >10%, wholesale funding >15%, capital falling | noncurrent p90, uninsured deposits leaving |
| 2023-09 | 5 |  | capital falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 7 | noncurrent p90, charge-offs p90 |  |
| 2024-09 | 7 | capital falling | charge-offs p90 |
| 2024-12 | 6 |  | capital falling |
| 2025-03 | 9 | losing money, expense ratio p90, charge-offs p90 |  |
| 2025-06 | 8 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2025-09 | 6 |  | charge-offs p90, uninsured deposits leaving |
| 2025-12 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2026-03 | 7 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2026-06 | 8 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26960 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "26960", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide