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About us
Welcome to First Bank of the Lake! We put you 1st! Four simple words, but they are at the core of everything we do. They are the difference that sets us apart. At First Bank of the Lake, we take the time to listen, understand and respond to the needs of our customers by putting the strength of a full spectrum of banking products and services to work for you. We’ll help you with all your financial needs, create opportunities and realize your dreams. We have real solutions for your life and put our years of experience to work for you. Knowing our customers makes us a better bank. At First Bank of the Lake, you have a financial partner you can count on. Talk to us about yourself or your business and where you want to go. We’ll help get you there. Find out what it’s like to work with a bank who puts you first. Services Business & Personal Loans SBA Loans Personal & Business Checking Savings & Money Market Accounts CDs & IRAs
- Website
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https://www.fblake.bank/
External link for First Bank of the Lake
- Industry
- Banking
- Company size
- 201-500 employees
- Headquarters
- Osage Beach, MO
- Type
- Privately Held
- Founded
- 1985
- Specialties
- Banking Services, Personal Savings Accounts, Personal Checking Accounts, Business and Personal Loans, Business Financial Services, Mortgage, Individual Retirement Accounts, Money Market Accounts, Certificates of Deposit, and SBA Lending
Locations
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Primary
Get directions
4558 Osage Beach Parkway
Suite 100
Osage Beach, MO 65065, US
Employees at First Bank of the Lake
Updates
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Supporting veteran entrepreneurs means helping them turn experience into ownership. First Bank of the Lake funded a $400,000 SBA 7(a) loan to help a veteran launch a bath remodeling franchise, providing the capital needed to cover start-up costs and begin serving customers from day one. As a nationwide SBA Preferred Lender, we’re proud to support veterans as they build businesses and create long-term opportunities in their communities. Learn more: https://hubs.la/Q03Zp1MM0 #VeteranOwned #SBA7a #FranchiseFinancing #SmallBusiness #FirstBankoftheLake
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Saving should feel good—not stressful. Lock in 4.10% APY* for 7 months with a CD from First Bank of the Lake and know your money is growing while you focus on what matters most. Whether you’re saving for a cushion, a goal, or just peace of mind—this rate gives you more breathing room. Call, come by, or open your account online today! https://hubs.la/Q03_G-s40 *Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as date of 1-21-2026. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. $5,000 minimum opening deposit to open the account online. $1,000 minimum to open the account in-person at branch. No institutional funds allowed. Other restrictions may apply. Contact bank for details.
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As assisted living operators navigate rising costs and operational demands, the right financing can make a meaningful difference. First Bank of the Lake provided a $665,000 SBA 504 refinance to help an assisted living facility lower occupancy costs and lock in long-term stability. Financing like this supports sustainable growth in an industry where consistency is critical. Learn more: https://hubs.la/Q03Zp1yX0 #SBALoans #SBA504Program #AssistedLiving #CRERefinance #FirstBankoftheLake
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Running an architecture or engineering firm means staying ahead of rising costs, technology upgrades, and unpredictable cash flow. SBA loans can help your firm: ✅ Manage cash flow during project delays ✅ Upgrade software, hardware & design tools ✅ Cover payroll, training & operational expenses ✅ Finance office space, equipment, or expansion At First Bank of the Lake, we’ve helped engineering and architecture firms secure the funding they need to stay competitive and scale with confidence. Ready to build what’s next for your firm? 👉 Learn more here: https://hubs.la/Q03ZxD990
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Veteran entrepreneurs continue to build strong businesses across the country. First Bank of the Lake recently funded a $350,000 SBA 7(a) loan to support a veteran-owned commercial flooring franchise start-up, providing the capital needed to launch operations and grow with confidence. We’re proud to support veterans as they transition their leadership skills into business ownership. Learn more: https://hubs.la/Q03Zp1cB0 #VeteranOwned #SBA7a #FranchiseFinancing #SmallBusiness #FirstBankoftheLake
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⭐⭐⭐⭐⭐ “The First Bank of Lake team was very responsive to any questions that I had and was easy to work with throughout the process. They definitely made things feel like a partnership. And that has extended to the loan servicing phase as well. I would definitely recommend them, and I have. – Joe H. We love hearing stories like Joe’s! At First Bank of the Lake, we strive to build true partnerships, not just during the loan process, but long after. Looking for a lender who stays invested in your success? Start here: https://hubs.la/Q03ZxGD90
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First Bank of the Lake will be closed Monday, January 19 in observance of Martin Luther King Jr. Day. As always, you can access your account through Online and Mobile Banking or by visiting our website at https://hubs.la/Q03ZwMpX0.
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Give your money the means to grow, and to be available anytime you want it! 💵 A High Yield Savings Account at First Bank of the Lake lets you earn one of the best rates in the nation while keeping your funds accessible. Safe, flexible, and easy to use. Start boosting your savings today! 👉 Learn more: https://hubs.la/Q03ZVcCj0 *See site for full disclosures. $2,500 minimum balance to earn the advertised APY
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Growth doesn’t stop at the first location. First Bank of the Lake provided a $1.2 million SBA 7(a) loan to help a Mexican restaurant franchise expand into a new location, funding construction, buildout, and start-up costs. With flexible terms and a financing structure designed for expansion, the borrower was able to scale confidently while maintaining liquidity. Learn more about SBA 7(a) loans for expanding businesses: https://hubs.la/Q03Zp1rF0 #SBA7a #FranchiseGrowth #ExpansionFinancing #RestaurantOwners #FirstBankoftheLake
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