First Bank of the Lake
Headquartered in Osage Beach, MO. Analysis based on 2,206 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.79B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
First Bank of the Lake ranks #10 by charge-off rate (0.39%).
Total 7(a) loans
2,206
Total approved
$1.79B
Average loan
$811K
States funded in
52
Charge-off rate
0.39%
FY2020–FY2023 cohort
Paid-in-full rate
19.38%
Average rate
10.27%
Average term
137 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 118 |
| 722513 | Limited-Service Restaurants | 105 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 93 |
| 624410 | Child Day Care Services | 82 |
| 236118 | Residential Remodelers | 66 |
| 812910 | Pet Care (except Veterinary) Services | 62 |
| 238990 | All Other Specialty Trade Contractors | 58 |
| 812199 | Other Personal Care Services | 48 |
| 722511 | Full-Service Restaurants | 47 |
| 621610 | Home Health Care Services | 44 |
Top 10 states
| State | Loans |
|---|---|
| CA | 300 |
| TX | 299 |
| FL | 240 |
| NY | 101 |
| GA | 96 |
| NC | 90 |
| NJ | 75 |
| PA | 65 |
| CO | 64 |
| VA | 56 |
Top franchise brands financed
1,090 franchise loans across 414 distinct brands.
| Franchise | Loans |
|---|---|
| The Learning Experience | 39 |
| Five Star Bath Solutions | 18 |
| Gameday Men's Health/Gameday | 18 |
| Bricks & Minifigs | 16 |
| Hotworx | 16 |
| Tint World | 14 |
| Celebree School | 13 |
| Eggs Up Grill | 13 |
| Bumble Bee Blinds | 13 |
| K-9 Resorts Daycare & Luxury H | 12 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.