BlastPoint's Banking Scorecard

First Bank of the Lake

$1B-$10B Specialty: Commercial MO FDIC cert 26960

Designations: ✓ Community bank

Osage Beach, MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +29.9% year over year ($2.0B on the books).
Delinquency rate 3.72%.
Return on assets 0.83%.
Efficiency ratio 62.64% vs a 59.73% peer average.
Loan-to-deposit ratio 106.57% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

First Bank of the Lake faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 2.86% above tier average
- Loan-to-Deposit Ratio 21.53% above tier average
- Non-Interest-Bearing Deposit Share 20.36% below tier average
- Nonperforming Asset Ratio 2.77% above tier average
- ROA 0.56% below tier average
- Net Interest Margin 0.66% below tier average
- Efficiency Ratio 2.91% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$2.3B +24.9% YoY +0.4% QoQ	-$457.5M	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$2.2B +20.6% YoY +0.1% QoQ	+$197.2M	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$2.0B +29.9% YoY +2.5% QoQ	-$291.6M	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	0.83% +574.5% YoY +20.5% QoQ	-0.56%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	3.21% -5.5% YoY -5.2% QoQ	-0.66%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	62.64% -18.8% YoY -3.9% QoQ	+2.91%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	3.72% +7.3% YoY -1.7% QoQ	+2.86%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 2.4% in tier
Loan-to-Deposit Ratio ?	106.57% -7.2% YoY -2.3% QoQ	+21.53%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 6.1% in tier
Non-Interest-Bearing Deposit Share ?	0.91% -8.9% YoY +28.1% QoQ	-20.36%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 1.5% in tier
Nonperforming Asset Ratio ?	3.44% +3.5% YoY -2.8% QoQ	+2.77%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 1.7% in tier
Tier 1 Capital Ratio ?	15.90% +0.3% YoY -0.4% QoQ	+1.06%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.33% +245.7% YoY +294.5% QoQ	-0.19%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	0.9% -0.1pp YoY +0.2pp QoQ	-20.5pp	21.4%	20.9%	22.2%	1%
Brokered Deposits	56.6% -0.8pp YoY +4.5pp QoQ	+47.1pp	9.5%	7.4%	8.5%	98%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	45.6% -4.5pp YoY -1.8pp QoQ	+31.5pp	14.0%	12.3%	12.5%	97%
CRE	n/a	n/a	50.0%	36.8%	41.4%	n/a
1-4 Family	0.6% -0.1pp YoY 0.0pp QoQ	-25.8pp	26.4%	31.9%	31.3%	1%
Consumer	0.1% 0.0pp YoY +0.1pp QoQ	-4.6pp	4.7%	4.1%	5.0%	15%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	15.9% 0.0pp YoY -0.1pp QoQ	+0.3pp	15.6%	18.5%	19.7%	77%
Leverage Ratio	7.1% -0.5pp YoY -0.2pp QoQ	-4.2pp	11.3%	11.6%	12.6%	0%
Total Capital Ratio	17.2% +0.1pp YoY -0.1pp QoQ	+0.5pp	16.7%	19.6%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	249 +7 (+2.9%) YoY +11 (+4.6%) QoQ	-65	313	162	482	55%
Assets per Employee ($)	$9.4M +21.4% YoY -4.1% QoQ	-$1.1M	$10.5M	$8.0M	$8.8M	59%
Branch Count	1 0 YoY 0 QoQ	-19	20	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	3.7% +0.4pp YoY -0.1pp QoQ	+2.9pp	0.8%	0.8%	1.0%	98%
Allowance Coverage	0.18x +8.2% YoY -9.5% QoQ	-18.53x	18.71x	10.47x	20.23x	1%
Net Charge-off Rate (YTD)	0.6% +0.2pp YoY +0.3pp QoQ	+0.4pp	0.3%	0.3%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	11.6% +9.9pp YoY +1.9pp QoQ	-1.0pp	12.6%	14.3%	11.6%	46%
Cost of Funds (YTD)	3.7% -0.3pp YoY +0.1pp QoQ	+1.8pp	1.9%	1.8%	1.7%	100%
Net Income ($, YTD)	$9.6M +803.8% YoY — QoQ	-$9.7M	$19.2M	$11.3M	$40.4M	38%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

178

Tier 1 Capital Ratio

capital

Value: 15.90%

Peer Median: 14.84%

#178 of 885 Top 20.0% in $1B-$10B

Top Weaknesses (6 metrics)

873

Non-Interest-Bearing Deposit Share

funding

Value: 0.91%

Peer Median: 21.27%

#873 of 885 Bottom 1.5% in $1B-$10B

871

Nonperforming Asset Ratio

credit_quality

Value: 3.44%

Peer Median: 0.67%

#871 of 885 Bottom 1.7% in $1B-$10B

862

Delinquency Rate

credit_quality

Value: 3.72%

Peer Median: 0.87%

#862 of 882 Bottom 2.4% in $1B-$10B

832

Loan-to-Deposit Ratio

liquidity

Value: 106.57%

Peer Median: 85.04%

#832 of 885 Bottom 6.1% in $1B-$10B

713

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.39%

#713 of 885 Bottom 19.5% in $1B-$10B

688

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.87%

#688 of 885 Bottom 22.4% in $1B-$10B