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The report presents the institution’s CRA rating of “Outstanding” and explains how the bank meets the credit needs of its assessment area, including low- and moderate-income neighborhoods, in line with its resources. It details scope and evaluation approach, describes the institution’s operations and financial position, and summarizes major lending and community development outcomes, supported by call report data and a loan portfolio distribution table.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/first-bank-of-the-lake-community-reinvestment-act-performance-evaluation/358244/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/first-bank-of-the-lake-community-reinvestment-act-performance-evaluation/358244.png","ImageObject",442,249,{"name":88,"@type":89},"Aurelia","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-08","2026-09-23",true,{"@type":98,"interactionType":99,"userInteractionCount":47},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What CRA rating did First Bank of the Lake receive in this evaluation?","Question",{"text":108,"@type":109},"The institution is rated “Outstanding.”","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What is the purpose of the CRA performance evaluation in this document?",{"text":113,"@type":109},"It evaluates the institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations.",{"name":115,"@type":106,"acceptedAnswer":116},"What does the document say about restrictions affecting the institution’s ability to meet credit needs?",{"text":117,"@type":109},"Examiners did not identify any financial, legal, or other impediments limiting the institution’s ability to meet credit needs during the evaluation period.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},358244,1791373818,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":47,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":20,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":47},1099514068365,"https://ap-avatar.wpscdn.com/avatar/10000253d8d9f28188e?_k=1776742907772140068","PUBLIC DISCLOSURE  \nJanuary 16, 2024  \nCOMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION  \nFirst Bank of the Lake  \nCertificate Number: 26960  \n4558 Osage Beach Parkway, Suite 100  \nOsage Beach, Missouri 65065  \nFederal Deposit Insurance Corporation  \nDivision of Depositor and Consumer Protection  \nKansas City Regional Office  \n1100 Walnut Street, Suite 2100  \nKansas City, Missouri 64106  \nThis document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low-and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution.  \nTABLE OF CONTENTS  \nINSTITUTION RATING ................................................................................................................1  \nDESCRIPTION OF INSTITUTION ...............................................................................................1  \nDESCRIPTION OF ASSESSMENT AREA...................................................................................2  \nSCOPE OF EVALUATION............................................................................................................4  \nCONCLUSIONS ON PERFORMANCE CRITERIA.....................................................................4  \nDISCRIMINATORY OR OTHER ILLEGAL CREDIT PRACTICES REVIEW .........................6  \nGLOSSARY ....................................................................................................................................7  \nINSTITUTION RATING  \nINSTITUTION’S CRA RATING: This institution is rated Outstanding.  \nAn institution in this group has an outstanding record of helping to meet the credit needs of its assessment area, including low-and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.  \n• Community development loans and investments exceed the minimum established goals for outstanding performance during the two calendar years reviewed.  \n• Community development donations exceed the minimum established goals for outstanding performance during the two calendar years reviewed.  \n• Community development service hours exceed the minimum established goals for outstanding performance during the two calendar years reviewed.  \nDESCRIPTION OF INSTITUTION  \nFirst Bank of the Lake is a full-service bank headquartered in Osage Beach, Missouri. FBOL Bancshares, Inc., Osage Beach, Missouri, a one-bank holding company, owns 100 percent of the institution’s common stock as of October 1, 2022. The institution received a Satisfactory rating at its previous FDIC Performance Evaluation, dated January 16, 2018, based on Interagency Small Institution Examination Procedures.  \nFirst Bank of the Lake operates from its sole office in Osage Beach, located in southcentral Missouri. The institution has one ATM adjacent to its main office. Since the previous evaluation, the bank opened a Government Guaranteed Loan Operation Center in Greenville, South Carolina, and closed its loan production office in St. Louis, Missouri.  \nWhile the bank offers traditional banking products and services, the primary business focus is providing Small Business Administration (SBA) and United States Department of Agriculture loans nationwide. Deposit products include checking accounts, savings accounts, money market accounts, and certificates of deposit. Alternative banking products and services include online banking, mobile deposit, and remote deposit capture. The bank offers a variety of credit products for consumers and businesses. Consumer credit products include installment loans and home mortgage loans.  \nAccording to the Consolidated Reports of Condition and Income (Call","cbCaimEoDxM2Di36","https://ap.wps.com/l/cbCaimEoDxM2Di36","pdf",175282,"English","# Institution Rating\n## Institution’s CRA Rating\n# Description of Institution\n## Loan products and operations\n## Financial overview and call report data\n# Description of Assessment Area\n## Assessment area delineation\n# Scope of Evaluation\n# Conclusions on Performance Criteria\n# Discriminatory or Other Illegal Credit Practices Review\n# Glossary","[{\"question\":\"What CRA rating did First Bank of the Lake receive in this evaluation?\",\"answer\":\"The institution is rated “Outstanding.”\"},{\"question\":\"What is the purpose of the CRA performance evaluation in this document?\",\"answer\":\"It evaluates the institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations.\"},{\"question\":\"What does the document say about restrictions affecting the institution’s ability to meet credit needs?\",\"answer\":\"Examiners did not identify any financial, legal, or other impediments limiting the institution’s ability to meet credit needs during the evaluation period.\"}]","First Bank of the Lake - Community Reinvestment Act Performance Evaluation | PDF",1790133359]