BlastPoint's Banking Scorecard
First Bank of the Lake
Community
Specialty: Commercial
MO
FDIC cert 26960
Osage Beach, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First Bank of the Lake faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.46% above tier
- - Loan-to-Deposit Ratio 23.88% above tier
- - Non-Interest-Bearing Deposit Share 20.14% below tier
- - Nonperforming Asset Ratio 2.32% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+44.1% YoY
+12.3% QoQ
|
+$875.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$2.1B
+38.0% YoY
+10.4% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$1.9B
+38.2% YoY
+11.1% QoQ
|
+$771.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.50%
-44.0% YoY
+12.4% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.47%
-13.9% YoY
-0.1% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
66.55%
+0.8% YoY
-4.3% QoQ
|
+3.92% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
3.09%
+7.0% YoY
-11.2% QoQ
|
+2.46% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
106.94%
-0.1% YoY
-0.6% QoQ
|
+23.88% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.91%
-35.7% YoY
+8.4% QoQ
|
-20.14% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
2.82%
+2.5% YoY
-12.7% QoQ
|
+2.32% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.63%
+6.9% YoY
-6.0% QoQ
|
+5.39% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.29%
+49.3% YoY
+87.8% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
3.09%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
106.94%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.91%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.82%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
80
80th pctile
Tier 1 Capital Ratio
Current: 15.63% · Tier avg: 10.24%
40
40th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
36
36th pctile
Efficiency Ratio
Current: 66.55% · Tier avg: 62.63%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.94% · Tier avg: 83.06%
5
5th pctile
Delinquency Rate
Current: 3.09% · Tier avg: 0.63%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.91% · Tier avg: 21.05%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.82% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.82% · Tier avg: 0.50%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.91% · Tier avg: 21.05%
5
5th pctile
Delinquency Rate
Current: 3.09% · Tier avg: 0.63%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.94% · Tier avg: 83.06%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
36
36th pctile
Efficiency Ratio
Current: 66.55% · Tier avg: 62.63%
40
40th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.63% · Tier avg: 10.24%
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M