BlastPoint's Banking Scorecard
First Bank of the Lake
Designations: ✓ Community bank
Osage Beach, MO
First Bank of the Lake faces 7 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 2.90% above tier average
- - Loan-to-Deposit Ratio 24.90% above tier average
- - Non-Interest-Bearing Deposit Share 20.58% below tier average
- - Nonperforming Asset Ratio 2.87% above tier average
- - ROA 0.68% below tier average
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 4.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+34.6% YoY
+2.7% QoQ
|
-$488.9M |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$2.2B
+30.7% YoY
+4.3% QoQ
|
+$193.4M |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$2.0B
+34.9% YoY
+2.2% QoQ
|
-$365.2M |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.69%
+225.1% YoY
+26.1% QoQ
|
-0.68% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.39%
+5.4% YoY
-2.7% QoQ
|
-0.43% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
65.20%
-26.1% YoY
-0.2% QoQ
|
+4.14% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
3.79%
+5.8% YoY
+22.7% QoQ
|
+2.90% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.4% in tier |
| Loan-to-Deposit Ratio ? |
109.11%
-3.2% YoY
+2.0% QoQ
|
+24.90% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.71%
-34.7% YoY
-21.4% QoQ
|
-20.58% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.0% in tier |
| Nonperforming Asset Ratio ? |
3.55%
+3.6% YoY
+25.7% QoQ
|
+2.87% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.4% in tier |
| Tier 1 Capital Ratio ? |
15.96%
+1.6% YoY
+1.6% QoQ
|
+0.80% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.08%
-4.4% YoY
-71.3% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
25% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.