Compared with Missouri
5 of 15
compared fees are above the median.
8 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
2nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 15 compared; 8 below, 2 about the same
See the feesFee schedule read Oct 29, 2026
Call-report figures are for First Bank of the Lake at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Bank of the Lake's published fee schedule; Bank Fee Index medians | Current schedule | Oct 29, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.0% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (2nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $7K in Q2 2026, 17% above the same quarter a year earlier ($6K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 15 compared published fees sit above the Missouri median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 13% from Q3 2025 to Q2 2026, to $7K. Its share of revenue, 0.0%, is below the 2.2% median for banks with $1B to $10B in assets.
$7K
First Bank of the LakeMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
First Bank of the Lake · $2.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Bank of the Lake(this institution) | Osage Beach, MO | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Anderson Brothers Bank | Mullins, SC | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Iowa | West Des Moines, IA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cashmere Valley Bank | Cashmere, WA | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coastal States Bank | Hilton Head Island, SC | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Savings Bank | Greenwood Village, CO | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Harrogate, TN | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Crews Bank & Trust | Wauchula, FL | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First United Bank | Dimmitt, TX | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank | Springfield, MO | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intercredit Bank, National Association | Coral Gables, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| John Marshall Bank | Reston, VA | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luana Savings Bank | Luana, IA | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Omb Bank | Springfield, MO | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parke Bank | Sewell, NJ | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank, National Association | Albany, NY | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| QNB Bank | Quakertown, PA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Queensborough National Bank & Trust Company | Louisville, GA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank | Lincoln, NE | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Central Bank, Inc. | Glasgow, KY | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Commerce | Ammon, ID | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Fort Smith | Fort Smith, AR | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 20 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $10 among 20 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Bank of the Lake does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for First Bank of the Lake (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $7K | −$1K | −12.5% |
| Q1 2026 | $8K | $0 | 0.0% |
| Q4 2025 | $8K | $0 | 0.0% |
| Q3 2025 | $8K | +$2K | +33.3% |
| Q2 2025 | $6K | −$1K | −14.3% |
| Q1 2025 | $7K | +$1K | +16.7% |
| Q4 2024 | $6K | −$1K | −14.3% |
| Q3 2024 | $7K | +$1K | +16.7% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Bank of the Lake left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Bank of the Lake by share.
Amounts from First Bank of the Lake’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| “New” Account Closed 180 days after opening | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (Account is considered dormant after 12 months of customer inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Nonsufficient Funds (NSF) (Each item, whether paper check/draft, in-person withdrawal or other electronic means) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign Automated Teller Machine (ATM) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Foreign Wire Transfer | $90Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (each item, whether check or ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (Qty 8) | $2.50Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Charge Back Item | $3Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary (customers only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Boxes 3x5x21 3x10x21 5x10x21 10x10x21 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy or Garnishment | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
Oct 29, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Bank of the Lake operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $2.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $2.0B |
Largest competitors nearby
Local market: Camden county, MO, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| The Central Trust Bank | 20.4% |
| Oakstar Bank | 12.6% |
| U.S. Bank National Association | 4.4% |
| SULLIVAN BANK | 2.3% |
| Heritage Bank of the Ozarks | 2.1% |
This bank holds 52.7% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.