GetFundedUSA › SBA Lenders › First Bank of the Lake
First Bank of the Lake
OSAGE BEACH, MO · Top National Lender · National rank #20
Yes, First Bank of the Lake is a fairly large SBA lender, having approved 643 SBA 7(a) loans in FY2025 and ranking #20 nationally by loan volume, with an average loan size of $674,573.
First Bank of the Lake, headquartered in Osage Beach, MO, is an active participant in the SBA 7(a) loan program. According to FY2025 SBA 7(a) lender activity data, the bank approved 643 SBA 7(a) loans totaling $433,750,400 in gross approved dollars, with $329,246,630 backed by SBA guaranty. The average loan size across these approvals was $674,573, reflecting a portfolio weighted toward larger commercial loans rather than very small business loans.
Nationally, First Bank of the Lake ranks #20 by SBA 7(a) loan volume for FY2025, placing it among the more active SBA lenders in the country despite its relatively small headquarters market. The bank's SBA lending activity spans a wide geographic footprint, with loans recorded in 48 states and territories including FL, TX, CA, NY, GA, NC, VA, IL, TN, WI, AZ, NJ, PA, WA, CO, OH, MO, MS, SC, MN, UT, AL, MA, KS, MI, CT, IN, OR, MD, LA, OK, NM, KY, HI, NV, NE, ID, MT, AR, ME, ND, VT, PR, SD, NH, RI, DC, and DE.
The bank's most active states by loan count are Florida (79 loans), Texas (76 loans), and California (74 loans), indicating its SBA lending activity extends well beyond its Missouri home base. This profile is based solely on FY2025 SBA 7(a) lender activity data and does not reflect interest rates, underwriting criteria, or approval likelihood.
Where First Bank of the Lake lends
| State | Loans | Dollars |
|---|---|---|
| Texas | 76 | $60,853,000 |
| Florida | 79 | $45,785,300 |
| California | 74 | $33,251,800 |
| New York | 40 | $32,040,100 |
| Georgia | 31 | $25,616,700 |
| Washington | 14 | $17,745,900 |
| North Carolina | 26 | $14,771,800 |
| Ohio | 11 | $12,787,000 |
| Virginia | 17 | $11,810,000 |
| Arizona | 15 | $11,674,900 |
| New Jersey | 15 | $11,568,400 |
| Missouri | 10 | $11,234,700 |
| Idaho | 3 | $10,315,000 |
| South Carolina | 9 | $8,574,600 |
| Pennsylvania | 15 | $8,171,600 |
Questions people ask
Is First Bank of the Lake an SBA lender?
Yes, First Bank of the Lake participates in the SBA 7(a) loan program and approved loans under it in FY2025.
How many SBA 7(a) loans did First Bank of the Lake approve in FY2025?
It approved 643 SBA 7(a) loans in FY2025.
What was the total dollar amount of loans approved?
Approved loans totaled $433,750,400, with $329,246,630 covered by SBA guaranty.
What is First Bank of the Lake's average SBA loan size?
The average loan size was $674,573 in FY2025.
Where is First Bank of the Lake headquartered?
It is headquartered in Osage Beach, MO.
Where is First Bank of the Lake most active with SBA lending?
Its top states by loan count are Florida (79 loans), Texas (76 loans), and California (74 loans).
Is First Bank of the Lake a national or regional SBA lender?
It operates as a national SBA lender, with loans recorded in 48 states and territories in FY2025.
How does First Bank of the Lake rank by SBA loan volume?
It ranked #20 nationally among SBA 7(a) lenders by volume in FY2025.
Does First Bank of the Lake only lend in Missouri?
No, despite being headquartered in Missouri, most of its top lending states in FY2025 were Florida, Texas, and California.
Source: SBA 7(a) Lender Activity Report, FY2025 (data.sba.gov). GetFundedUSA is independent and not affiliated with First Bank of the Lake; loan terms, rates and eligibility are set by the lender and the SBA, not GetFundedUSA.