First Bank of the Lake Tech Stack

Regional bank modernizing deposit and lending operations with real-time payments

Banking Osage Beach, MO 201–500 employees Founded 1985 Privately Held

First Bank of the Lake is a 200-person regional bank in Missouri built on traditional banking infrastructure (nCino, Fiserv) while actively modernizing payments and lending. The hiring mix — finance and ops roles dominate, but they're adding a CTO and engineering head — suggests internal capability gaps in tech execution. Active projects around real-time payments, fintech card programs, and SBA loan processing align with documented pain points in documentation accuracy and process compliance, indicating a push to move from manual workflows to automated, audit-friendly systems.

Tech Stack 10 technologies

Core StackMicrosoft Office Word Excel Outlook nCino Fiserv Apple Pay Google Pay Samsung Pay FedNow

What First Bank of the Lake Is Building

◆Challenges

Ensuring timely disbursement of sba loans
Maintaining accurate loan documentation
Process gaps
Compliance gaps
Regulatory changes
Improving product design

▲Active Projects

Quality control program implementation
Policy and procedure updates
Audit and review processes
Launch deposit products
Implement real-time payments
Launch fintech card programs

Hiring Activity

Accelerating8 roles · 4 in 30d

Department

Finance

Ops

Engineering

Product

Seniority

Senior

Junior

C-Level

Manager

Notable leadership hires: Chief Technology Officer

Company intelligence

Find more companies like First Bank of the Lake by tech stack, pain points and active projects

Get started free

About First Bank of the Lake

First Bank of the Lake is a privately held community bank founded in 1985, headquartered in Osage Beach, Missouri, with 201–500 employees. The bank serves personal and business customers across checking, savings, lending (personal, business, SBA), mortgages, and retirement accounts. Their product roadmap includes real-time payment capabilities and fintech card programs alongside traditional deposit products. Core systems rest on nCino (loan origination), Fiserv (core banking), and mobile wallets (Apple Pay, Google Pay, Samsung Pay). Current operational focus includes SBA loan disbursement timing, loan documentation accuracy, and closing gaps in compliance and process design.

HeadquartersOsage Beach, MO

Company Size201–500 employees

Founded1985

Hiring MarketsUnited States

Frequently Asked Questions

What is First Bank of the Lake's tech stack?

Core systems: nCino (loan origination), Fiserv (core banking). Payments: Apple Pay, Google Pay, Samsung Pay, FedNow. Office: Microsoft Office suite (Word, Excel, Outlook). They are currently implementing real-time payment capabilities.