C
First Option Bank
Rating Date
March 2026
Risk Based
Capital Ratio
16.53
Leverage
Ratio
8.15
Return On
Assets
1.13%
Total
Assets
815.95M
Capital
49.75M
Total
Deposits
735.37M
Net
Income
8.34M
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Weiss Ratings First Option Bank
Osawatomie, KS 		Click to
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Rating C
Asset Quality Index 7.30
Capitalization Index 6.00
Liquidity Index 1.90
Profitability Index 4.50
Stability Index 4.10
Company Info First Option Bank
Osawatomie, KS 		Click to
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FDIC Number 4746
Phone Number (913) 755-3811
Website www.firstoptionbank.com
Asset Quality First Option Bank
Osawatomie, KS 		Click to
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1-Year Asset Growth 8.24%
5-Year Asset Growth 11.70%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 4.02%
Non-Performing Loans to Loans 0.57%
Balance Sheet First Option Bank
Osawatomie, KS 		Click to
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Total Assets 815.95M
Total Deposits 735.37M
Capital and Reserves First Option Bank
Osawatomie, KS 		Click to
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Capital 49.75M
Leverage Ratio 8.15
Loan Loss Reserves to Loans 0.93%
Risk-Based Capital Ratio 16.53
Liquidity First Option Bank
Osawatomie, KS 		Click to
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Hot Money Ratio 20.92%
Liquidity Ratio 19.81%
Profitability First Option Bank
Osawatomie, KS 		Click to
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5-Year Return on Average Assets 1.11%
Net Income 8.34M
Net Interest Spread 2.93%
Operating Profit to Average Assets 1.16%
Overhead Efficiency Ratio 69.39%
Return on Assets 1.13%
Return on Equity 18.37%