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iAdvertiser Disclosure
Advertiser Disclosure
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 First Bank of the Lake Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
First Bank of the Lake's 20-Month CD rates are at 4.40%, 7-Month CD rates are at 4.30%, 3-Month CD rates are at 3.40%, 60-Month CD rates are at 3.40%, 12-Month CD rates are at 3.35%. MonitorBankRates evaluates the financial stability of First Bank of the Lake with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.47%. Rates last updated and verified on 08/28/2026. First Bank of the Lake money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank of the Lake? Share your experience about First Bank of the Lake by leaving a review below, or read customer reviews before you decide to use First Bank of the Lake. 
First Bank of the Lake CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Bank of the Lake is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Bank of the Lake rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Bank of the Lake's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Bank of the Lake
Bank Holding Company
FBOL BANCSHARES INC
Address
4558 Osage Beach Pkwy,
Osage Beach, MO 65065 · Camden
Website
https://www.fblake.bank
FDIC Certificate #
26960
Established
05/15/1987
FDIC Insurance Date
05/15/1987
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
7.47%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9864%
Return on Equity (ROE)
10.8800%
Non-Performing Loans (NPL)
0.24%
Total Assets
$2,266,431,000
Total Deposits
$1,935,642,000
Equity Capital
$159,511,000
Net Income
$9,498,000
Headquarters
Osage Beach
Total Branches and Offices
1
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsdgbS
December 17, 2025
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Frequently Asked Questions About First Bank of the LakeHow many branches does First Bank of the Lake operate?First Bank of the Lake currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Bank of the Lake does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Bank of the Lake provides members with tools to manage their accounts and build a solid financial history. Does First Bank of the Lake offer online and mobile banking?Most modern institutions like First Bank of the Lake provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fblake.bank. Current First Bank of the Lake Rates
Retrieved from our database of financial products. Rates subject to change.
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