Advertisement
First Option Bank
Osawatomie, KS · FDIC Certificate #4746 · Chartered 09/0
Total assets
$817.58M
Total deposits
$722.09M
Total equity
$53.16M
Net loans
$482.41M
Branches (offices)
10
Net income (YTD)
$5.80M
Rank: #1,231 of 4,213 U.S. banks by assets · #25 of 183 in Kansas. Assets changed 10.3% and deposits 7.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 22.51% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 6.50% |
| Tier 1 leverage ratio | 8.18% |
| Uninsured deposits (share of deposits) | 44.8% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.53% |
| Loans to deposits | 66.8% |
| Real estate loans (share of loans) | 87.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $422.61M | 87.6% | |
| Commercial & industrial | $31.29M | 6.5% | |
| Consumer / individual | $17.01M | 3.5% | |
| Construction & development | $59.20M | 12.3% | |
| Agricultural | $5.06M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $608.91M | $565.02M | $3.88M | $23.48M |
| Jun 2023 | $693.68M | $583.29M | $2.79M | $30.11M |
| Jun 2024 | $715.37M | $641.05M | $2.94M | $38.17M |
| Jun 2025 | $741.42M | $669.42M | $3.99M | $44.84M |
| Jun 2026 | $817.58M | $722.09M | $5.80M | $53.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $696.79M | 9 |
| Missouri | $25.30M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $722.09M.
Similar-sized banks
First Freedom Bank ($817.79M) · Rollstone Bank & Trust ($816.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement