First Option Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Option Bank of Osawatomie, KS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.35% | +0.04% | 57th above |
| ROAE | 21.17% | 12.05% | +9.12% | 90th top |
| Net Interest Margin | 3.32% | 3.90% | -0.58% | 21st bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.01% | 63.15% | -0.14% | 45th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.64% | -0.04% | 51st above |
| Yield on Earning Assets | 5.03% | 5.65% | -0.62% | 25th below |
| Cost of Funds | 1.52% | 1.85% | -0.33% | 68th above |
| Net Interest Spread | 2.81% | 3.35% | -0.54% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.92% | -0.90% | 82nd top |
| NPA / Total Assets | 0.17% | 0.67% | -0.50% | 62nd above |
| NCO / Avg Loans | 1.07% | 0.14% | +0.93% | 3rd bottom |
| ACL / Total Loans | 0.72% | 1.28% | -0.56% | 8th bottom |
| ACL / NPLs (Coverage) | 3435.29% | 1644.38% | +1790.91% | — |
| Texas Ratio | 2.50% | 7.15% | -4.65% | 58th above |
| Provision / NCO | 33.99% | 1189.90% | -1155.91% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.76% | 20.83% | -5.07% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.76% | 20.86% | -5.10% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.65% | 21.94% | -5.29% | 54th above |
| Leverage Ratio | 8.18% | 12.47% | -4.29% | 3rd bottom |
| Equity / Assets | 6.50% | 11.67% | -5.17% | 4th bottom |
| TCE / Tangible Assets | 6.43% | 11.40% | -4.97% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.29% | 78.65% | -11.36% | 74th above |
| Core Deposit Ratio | 84.16% | 87.09% | -2.93% | 28th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.59% | 5.11% | -0.52% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.27% | 6.47% | +3.80% | 83rd top |
| Loan Growth (Y/Y) | 7.65% | 7.64% | +0.01% | 63rd above |
| Deposit Growth (Y/Y) | 7.87% | 6.02% | +1.85% | 75th top |
See First Option Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Option Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Option Bank profile, how to read a UBPR, or how this data updates.