C
First Option Bank
Rating Date
October 2025
Risk Based
Capital Ratio
16.39
Leverage
Ratio
8.14
Return On
Assets
1.10%
Total
Assets
741.42M
Capital
44.84M
Total
Deposits
669.42M
Net
Income
3.99M
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Weiss Ratings First Option Bank
Osawatomie, KS 		Click to
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Rating C
Asset Quality Index 8.40
Capitalization Index 5.30
Liquidity Index 0.80
Profitability Index 4.30
Stability Index 3.80
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 3.64%
5-Year Asset Growth 14.67%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.16%
Non-Performing Loans to Loans 0.02%
Balance Sheet First Option Bank
Osawatomie, KS 		Click to
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Total Assets 741.42M
Total Deposits 669.42M
Capital and Reserves First Option Bank
Osawatomie, KS 		Click to
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Capital 44.84M
Leverage Ratio 8.14
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio 16.39
Liquidity First Option Bank
Osawatomie, KS 		Click to
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Hot Money Ratio 24.37%
Liquidity Ratio 17.17%
Profitability First Option Bank
Osawatomie, KS 		Click to
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5-Year Return on Average Assets 1.11%
Net Income 3.99M
Net Interest Spread 2.81%
Operating Profit to Average Assets 1.12%
Overhead Efficiency Ratio 70.51%
Return on Assets 1.10%
Return on Equity 18.44%