What is First Option Bank's financial health grade?

First Option Bank has a TFS Financial Health Grade of C- (score: 72.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Option Bank have?

First Option Bank has 10 branch locations across the United States.

Is First Option Bank FDIC insured?

Yes, First Option Bank is FDIC insured (Certificate #4746).

What are the total assets of First Option Bank?

First Option Bank has total assets of $816.0M as reported in its most recent FDIC filing.

First Option Bank

BankOsawatomie, Kansas

http://www.firstoptionbank.com

Total Assets

$816.0M

Total Deposits

$735.4M

Branches

Established

1923

TFS Health Grade

C-

72.0 / 100

Average financial health

How we grade

First Option Bank is a bank headquartered in Osawatomie, Kansas, established in 1923. With $816.0M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.15%(8%)

Total Capital Ratio

16.53%(10%)

Non-Performing Loan Ratio

0.57%

Profitability

Return on Assets (ROA)

1.11%(1%)

Return on Equity (ROE)

18.34%(10%)

Net Interest Margin

2.84%

Efficiency Ratio

69.18%(60%)

Lending & Liquidity

Total Loans

$466.5M

Loan-to-Deposit Ratio

62.85%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+8.24%

Deposit Growth (YoY)

+9.56%

Net Income

$8.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Option BankHQ	601 Main St	Osawatomie	KS	11
First Option Bank	209 Roseport Roadelwood	Elwood	KS	11
First Option Bank	1505 Central Ave	Horton	KS	11
First Option Bank	506 E Market St	Lacygne	KS	11
First Option Bank	103 Broadway	Louisburg	KS	11
First Option Bank	7300 West 159th Street	Overland Park	KS	11
First Option Bank	702 Baptiste Dr	Paola	KS	11
First Option Bank	21101 W 223rd St	Spring Hill	KS	11
First Option Bank	212 S Main St	Troy	KS	11
First Option Bank	3702 Faraon St	Saint Joseph	MO	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.