FIRST OPTION BANK

OSAWATOMIE, KS | Medium | Est. Sept. 6, 1923, midnight | FDIC #4746 | RSSD #285852 | FED
Latest Report: 2025-12-31

FIRST OPTION BANK is amn medium FDIC-insured commercial bank headquartered in OSAWATOMIE, KS, established in Sept. 6, 1923, midnight. As of 2025-12-31, the bank reported total assets of $816M and total deposits of $735M. Profitability stands at 1.10% ROA and 17.51% ROE, with a net interest margin of 3.05%. The bank's CET1 capital ratio is 15.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 4.93%. FDIC Certificate #4746.

Assets

$816M

Deposits

$735M

Loans

$467M

Equity

$50M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 17.51%
Net Interest Margin (NIM) 3.05%
Yield on Assets 4.98%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.02%
Texas Ratio 4.93%
NPA Ratio 0.33%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 15.41%
Tier 1 Capital 15.41%
Total Capital Ratio 16.53%
Leverage Ratio 8.15%
Loan-to-Deposit 63.44%

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