First Bank of the Lake: SBA Lending Profile
First Bank of the Lake is an FDIC-insured bank, headquartered in Osage Beach, MO. It is a national lender, with SBA loans on record in 51 states and territories. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes First Bank of the Lake actually approves
The median SBA approval at First Bank of the Lake is $372,700. The middle 80% of its loans fall between $150,000 and $2,379,600. The smallest approval on record since 2020 is $15,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 988 | $373K | 10.25% | 10 years |
| 504 first mortgage (third party) | 71 | $1.4M | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Fitness and Recreational Sports Centers | 128 | 5.9% |
| Snack and Nonalcoholic Beverage Bars | 109 | 5% |
| Limited-Service Restaurants | 107 | 5% |
| Child Day Care Services | 79 | 3.7% |
| Residential Remodelers | 69 | 3.2% |
| Pet Care (except Veterinary) Services | 60 | 2.8% |
| All Other Specialty Trade Contractors | 58 | 2.7% |
| Other Personal Care Services | 49 | 2.3% |
| Full-Service Restaurants | 47 | 2.2% |
| Home Health Care Services | 44 | 2% |
| Janitorial Services | 40 | 1.9% |
| Offices of All Other Miscellaneous Health Practitioners | 37 | 1.7% |
Borrower profile
- 66% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 98.9% of its recent SBA loans.
- 1.1% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by First Bank of the Lake.