C
First Option Bank
Rating Date
August 2026
Risk Based
Capital Ratio
16.65
Leverage
Ratio
8.18
Return On
Assets
1.46%
Total
Assets
817.58M
Capital
53.16M
Total
Deposits
722.09M
Net
Income
5.80M
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Weiss Ratings First Option Bank
Osawatomie, KS 		Click to
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Rating C
Asset Quality Index 7.60
Capitalization Index 5.80
Liquidity Index 1.70
Profitability Index 5.30
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 10.27%
5-Year Asset Growth 11.70%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.53%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 0.15%
Non-Performing Loans to Loans 0.02%
Balance Sheet First Option Bank
Osawatomie, KS 		Click to
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Total Assets 817.58M
Total Deposits 722.09M
Capital and Reserves First Option Bank
Osawatomie, KS 		Click to
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Capital 53.16M
Leverage Ratio 8.18
Loan Loss Reserves to Loans 0.72%
Risk-Based Capital Ratio 16.65
Liquidity First Option Bank
Osawatomie, KS 		Click to
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Hot Money Ratio 20.37%
Liquidity Ratio 15.66%
Profitability First Option Bank
Osawatomie, KS 		Click to
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5-Year Return on Average Assets 1.09%
Net Income 5.80M
Net Interest Spread 3.30%
Operating Profit to Average Assets 1.50%
Overhead Efficiency Ratio 63.52%
Return on Assets 1.46%
Return on Equity 22.49%