Branch Network
First Option Bank Locations & Branches Osawatomie, Kansas
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First Option Bank operates 10 branches from its headquarters in Osawatomie, KS, .
First Option Bank branch network
Its 10 branches span 2 states and 10 cities. The most are in KANSAS (9) and MISSOURI (1). KANSAS holds 96.5% of its branch deposits. Its largest office by deposits is the Paola Branch office in Paola, KS, with $247.4M (34.3% of its branch deposits). It had the same number of branches on June 30, 2025.
First Option Bank at a glance
Its CET1 capital ratio was 15.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $817.6M
- CET1 ratio, Q2 2026
- 15.76%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Established
- 1923
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Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Osawatomie, KS (1 branch) | 1 of 2 | 86.0% | $134.3M |
| State: KS (9 branches) | 37 of 231 | 0.7% | $696.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kansas.
Share by county and metro area
First Option Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Miami, KS (4 branches) | 1 of 8 | 57.7% | $532.2M | $922.5M |
| Doniphan, KS (2 branches) | 3 of 4 | 19.7% | $53.4M | $271.6M |
| Johnson, KS (1 branch) | 46 of 60 | 0.2% | $53.3M | $26.59B |
| Linn, KS (1 branch) | 4 of 6 | 13.7% | $33.0M | $240.5M |
| Buchanan, MO (1 branch) | 14 of 14 | 1.0% | $25.3M | $2.43B |
| Brown, KS (1 branch) | 5 of 6 | 6.4% | $24.8M | $389.5M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Kansas City, MO-KS (6 branches) | 24 of 114 | 0.6% | $618.5M | $98.85B |
| St. Joseph, MO-KS (3 branches) | 11 of 21 | 2.4% | $78.7M | $3.22B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Paola Branch | Paola, KS | 66071 | $247.4M |
| First Option Bank (main office) | Osawatomie, KS | 66064 | $134.3M |
| Louisburg Branch | Louisburg, KS | 66053 | $77.5M |
| 21101 W. 223rd St. Branch | Spring Hill, KS | 66083 | $73.0M |
| Overland Park Branch | Overland Park, KS | 66223 | $53.3M |
| Lacygne Branch | Lacygne, KS | 66040 | $33.0M |
| Elwood Branch | Elwood, KS | 66024 | $30.8M |
| Saint Joseph Branch | Saint Joseph, MO | 64506 | $25.3M |
| Horton Branch | Horton, KS | 66439 | $24.8M |
| 1st Bank of Troy Branch | Troy, KS | 66087 | $22.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 4746) · FFIEC NIC profile (RSSD 285852)