Central Bank of Lake of the Ozarks is an FDIC insured institution headquartered at
3848 Osage Beach Parkway, Osage Beach, MO 65065.
It was founded in
1906 and has approximately $1 billion in assets. Customers can open an account at one of its 10 branches.
Access up to 90% of your home's equity, up to a maximum of $500,000.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 11000
Date Established
1906
Assets
$ 1,117.66 million
Loans
$ 479.40 million
Deposits
$ 1,002.43 million
Capital
$ 86.71 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 262.35 million
Interest-bearing balances
$ 252.20 million
Total securities
$ 378.79 million
Federal funds sold and reverse repurchase
$ 3.47 million
Net loans and leases
$ 479.40 million
Loan loss allowance
$ 8.95 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.01 million
Goodwill and other intangibles
$ 4.66 million
All other assets
$ 9.64 million
Total Assets
$ 1,057.64 million
LIABILITIES
Total deposits
$ 1,002.43 million
Interest-bearing deposits
$ 611.39 million
Deposits held in domestic offices
$ 1,002.43 million
% insured (estimated)"
73.82%
Federal funds purchased and repurchase agreements
$ 17.99 million
Trading liabilities
N.A.
Other borrowed funds
$ 34.00 million
Subordinated debt
N.A.
All other liabilities
$ 3.21 millionn
Total Liabilities
$ 1,057.64 million
Shareholders’ Equity
$ 60.03 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 21.41 million
Total Interest Expense
$ 0.97 million
Net interest income
$ 20.45 million
Provision for loan and lease losses
$ 0.27 million
Total non interest income
$ 12.63 million
Total non interest expense
$ 18.72 million
Pre-tax Net Operating Income
$ 14.10 million
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