SBA lender profile
First Bank of the Lake
First Bank of the Lake appears in the public SBA loan data with 2,381 funded 7(a) loans totaling $1.9B, an average of $801K per loan, and an estimated 31,720 jobs supported. Its SBA lending concentrates in Texas and the Construction sector. Across all of its loans in the data, its charge-off rate is 0.9%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
2,381
Total volume
$1.9B
Average loan size
$801K
Charge-off rate
0.9%
Share of funded loans charged off
Jobs supported (reported)
31,720
Programs
7(a)
Bank profile
via FDIC- Total assets
- $2.3B
- Headquarters
- Osage Beach, MO
- FDIC cert
- #26960
- Status
- Active
Where First Bank of the Lake lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Texas | 322 | $259.5M |
| Florida | 263 | $246.0M |
| California | 320 | $240.0M |
| New York | 109 | $101.5M |
| Georgia | 105 | $74.5M |
| North Carolina | 98 | $69.1M |
What First Bank of the Lake funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 366 | $294.4M |
| Health Care and Social Assistance | 313 | $240.5M |
| Accommodation and Food Services | 284 | $225.2M |
| Other Services | 250 | $193.0M |
| Retail Trade | 259 | $179.1M |
| Manufacturing | 117 | $168.0M |
First Bank of the Lake SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 44 | $102.2M |
| 2021 | 153 | $221.7M |
| 2022 | 173 | $227.7M |
| 2023 | 409 | $359.1M |
| 2024 | 705 | $389.6M |
| 2025 | 643 | $433.8M |
| 2026 | 254 | $174.3M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of First Bank of the Lake's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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