Unverified listing What this means
The Lender Report built this page from public records. First Bank of the Lake has not reviewed it. Every lender's page starts this way, and it says nothing about First Bank of the Lake itself. Each figure shows its source and date. Work at First Bank of the Lake? You can claim this page for free.
SBA 504 record
First Bank of the Lake: SBA 504 first liens made
First Bank of the Lake, a bank based in Osage Beach, MO, made 68 SBA 504 first liens in the 36 months ending September 30, 2026, $148.3M in all, net of cancelled approvals. The typical first lien was about $1.5M, and 42 were in the last 12 months. Most were in New York.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- First liens, 36 months
- 68
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $148M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $1.5M
- SBA FOIA,
- Largest loan
- $8.6M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 42
- SBA FOIA,
Cite this
Source: The Lender Report, First Bank of the Lake: SBA 504 first liens made, https://lender.report/lender/first-bank-of-the-lake-mo/sba-504/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | New York | SBA 504, Other Miscellaneous Durable Goods Merchant Wholesalers | $3.2M | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Manufacturing | $3.8M | 25 yr | SBA FOIA | ||
| Apr 2026 | New York | SBA 504, Manufacturing | $1.2M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $880K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Promoters of Performing Arts, Sports, and Similar Events with Facilities | $2.4M | 25 yr | SBA FOIA | ||
| Feb 2026 | Colorado | SBA 504, All Other Personal Services | $2M | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Nursing Care Facilities (Skilled Nursing Facilities) | $1.4M | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Other Miscellaneous Nondurable Goods Merchant Wholesalers | $3.9M | 25 yr | SBA FOIA | ||
| Dec 2025 | Indiana | SBA 504, Hotels (except Casino Hotels) and Motels | $3.2M | 25 yr | SBA FOIA | ||
| Nov 2025 | Florida | SBA 504, Hotels (except Casino Hotels) and Motels | $5.6M | 25 yr | SBA FOIA | ||
| Nov 2025 | Illinois | SBA 504, Hotels (except Casino Hotels) and Motels | $2.2M | 25 yr | SBA FOIA | ||
| Nov 2025 | New York | SBA 504, Clothing and Clothing Accessories Retailers | $860K | 25 yr | SBA FOIA | ||
| Nov 2025 | Maryland | SBA 504, Health Care and Social Assistance | $660K | 20 yr | SBA FOIA | ||
| Sep 2025 | Mississippi | SBA 504, Health Care and Social Assistance | $840K | 25 yr | SBA FOIA | ||
| Sep 2025 | Connecticut | SBA 504, Assisted Living Facilities for the Elderly | $750K | 25 yr | SBA FOIA | ||
| Aug 2025 | New Jersey | SBA 504, Transportation and Warehousing | $4.1M | 25 yr | SBA FOIA | ||
| Aug 2025 | Florida | SBA 504, Health Care and Social Assistance | $730K | 25 yr | SBA FOIA | ||
| Aug 2025 | New Mexico | SBA 504, Other Services (except Public Administration) | $720K | 20 yr | SBA FOIA | ||
| Jul 2025 | New Jersey | SBA 504, Other Miscellaneous Durable Goods Merchant Wholesalers | $7.4M | 25 yr | SBA FOIA | ||
| Apr 2025 | South Carolina | SBA 504, Hotels (except Casino Hotels) and Motels | $5.7M | 25 yr | SBA FOIA | ||
| Apr 2025 | New Jersey | SBA 504, Professional, Scientific, and Technical Services | $1.1M | 25 yr | SBA FOIA | ||
| Mar 2025 | Texas | SBA 504, Child Care Services | $2.3M | 25 yr | SBA FOIA | ||
| Mar 2025 | Florida | SBA 504, Offices of Real Estate Agents and Brokers | $1.4M | 20 yr | SBA FOIA | ||
| Feb 2025 | South Carolina | SBA 504, Hotels (except Casino Hotels) and Motels | $6.9M | 25 yr | SBA FOIA | ||
| Feb 2025 | New York | SBA 504, Health Care and Social Assistance | $1.9M | 25 yr | SBA FOIA | ||
| 68 SBA 504 first liens since October 2023, net of cancelled | $148M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| New York | 10 | $12.9M |
| Texas | 8 | $22.4M |
| California | 7 | $12.3M |
| Florida | 7 | $13.1M |
| New Jersey | 6 | $19.5M |
| Arizona | 5 | $5.83M |
| Georgia | 5 | $18.5M |
| North Carolina | 3 | $4.70M |
| Colorado | 2 | $3.90M |
| Indiana | 2 | $6.10M |
| New Mexico | 2 | $3.12M |
| South Carolina | 2 | $12.6M |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 0 | $0 |
| $350K to $1M | 22 | $15.7M |
| $1M to $2.5M | 29 | $48.5M |
| $2.5M or more | 17 | $84.1M |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 10 | $26.5M |
| 2024 Q1 | 9 | $17.7M |
| 2024 Q2 | 5 | $6.60M |
| 2024 Q3 | 10 | $22.8M |
| 2024 Q4 | 7 | $8.16M |
| 2025 Q1 | 6 | $13.9M |
| 2025 Q2 | 2 | $6.80M |
| 2025 Q3 | 6 | $14.5M |
| 2025 Q4 | 6 | $16.4M |
| 2026 Q1 | 4 | $6.68M |
| 2026 Q2 | 3 | $8.20M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | First liens |
|---|---|
| Hotels (except Casino Hotels) and Motels (721110) | 14 |
| Health Care and Social Assistance | 6 |
| Full-Service Restaurants (722511) | 5 |
| Car Washes (811192) | 3 |
| Child Care Services (624410) | 3 |
| Other Miscellaneous Durable Goods Merchant Wholesalers (423990) | 3 |
| Accommodation and Food Services | 2 |
| Assisted Living Facilities for the Elderly (623312) | 2 |
| Finance and Insurance | 2 |
| Other Services (except Public Administration) | 2 |
| Professional, Scientific, and Technical Services | 2 |
| Retail Trade | 2 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Accredited Lenders Program | 40 |
| 504 Basic | 13 |
| 504 Refinancing Program | 13 |
| ALP Express | 1 |
| ALP Express Debt Refi | 1 |
| Certified Development Company | Projects |
|---|---|
| Empire State Certified Development Corporation | 8 |
| Florida First Capital Finance Corporation, Inc. | 8 |
| Trenton Business Assistance Corporation | 8 |
| The Mortgage Capital Development Corporation | 6 |
| California Statewide Certified Development Corporation | 4 |
| Capital Certified Development Corporation | 4 |
| Business Expansion Funding Corporation | 3 |
| Florida Business Development Corporation | 3 |
| LiftFund, Inc. | 3 |
| Mountain West Small Business Finance | 2 |
- First Bank of the Lake made 68 SBA 504 first liens totaling $148.3M in the 36 months ending September 30, 2026, net of cancelled approvals, in 21 states. SBA FOIA,
- The SBA file shows 42 approvals naming First Bank of the Lake as first-lien lender dated in the 12 months to September 30, 2026, and 33 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $1.5M, with the middle half between $860K and $2.9M. SBA FOIA,
- The largest was about $8.6M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 0 loans were under $150K, and 46 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Hotels (except Casino Hotels) and Motels, with 14. SBA FOIA,
- The SBA file lists 40 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 28 Certified Development Companies, most often Empire State Certified Development Corporation. SBA FOIA,
- Its loans were most often in New York (10), Texas (8) and California (7). SBA FOIA,
What we don't know
- Whether First Bank of the Lake is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.