SBA lender profile
First Bank of the Lake
First Bank of the Lake appears in the public SBA loan data with 2,429 funded 7(a) loans since FY2010, totaling $2.0B, an average of $823K per loan, and an estimated 33,335 jobs supported. Its SBA lending concentrates in Texas and the Construction sector. Across its 7(a) loans, the charge-off rate is 1.0%. 87.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 90
- Scale 97
- Activity 99
- Consistency 71
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First Bank of the Lake the right lender for you?
Lenders fund what they know. First Bank of the Lake's SBA lending concentrates in Texas (325 loans) and Construction (366 loans), at an average loan of $823K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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 | 325 | $266.4M |
| Florida | 272 | $260.1M |
| California | 320 | $240.0M |
| New York | 109 | $101.5M |
| Georgia | 106 | $78.8M |
| North Carolina | 99 | $72.3M |
Metro areas where First Bank of the Lake funds
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 | 315 | $241.8M |
| Accommodation and Food Services | 289 | $231.2M |
| Manufacturing | 132 | $205.2M |
| Other Services | 250 | $193.0M |
| Retail Trade | 266 | $188.0M |
First Bank of the Lake SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2012 | 1 | $2.1M |
| 2013 | 1 | $90K |
| 2014 | 5 | $8.5M |
| 2015 | 1 | $824K |
| 2016 | 3 | $4.7M |
| 2017 | 9 | $18.1M |
| 2018 | 13 | $24.9M |
| 2019 | 15 | $31.5M |
| 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 |
Related SBA lenders
Other lenders active in Texas or in Construction.
Comparing lenders? See how to choose an SBA lender by track record.
First Bank of the Lake: frequently asked questions
Does First Bank of the Lake offer SBA loans?
Yes. First Bank of the Lake appears in the public SBA data with 2,429 funded SBA 7(a) loans totaling $2.0B.
How many SBA loans has First Bank of the Lake made?
First Bank of the Lake is associated with 2,429 SBA 7(a) loans totaling $2.0B in the public SBA data (as of 2026-03-31).
What is First Bank of the Lake's SBA charge-off rate?
About 1.0% of First Bank of the Lake's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does First Bank of the Lake do most of its SBA lending?
First Bank of the Lake's SBA lending in the data is most concentrated in Texas, and by industry in Construction.
Is First Bank of the Lake an SBA Preferred Lender (PLP)?
The loan record shows First Bank of the Lake operating under PLP delegated authority: 2,114 of its 7(a) loans (87.0%) were processed through the Preferred Lenders Program, including 1,512 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). First Bank of the Lake SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-bank-of-the-lake/
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