First Option Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3265.83 percentage points higher than in Q1 2026, at 3435.29%. First Option Bank ranks 105th of 182 Kansas banks on return on assets, in the lower half at 1.39% (Q2 2026). First Option Bank reported 1.39% on return on assets for Q2 2026, 0.13 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.76% |
| Tier 1 risk-based capital ratio | 15.76% |
| Total risk-based capital ratio | 16.65% |
| Tier 1 leverage ratio | 8.18% |
| Equity capital to assets | 6.50% |
| Tangible equity to tangible assets | 6.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 1.07% |
| Texas ratio | 2.50% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 3435.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 21.17% |
| Net interest margin | 3.32% |
| Efficiency ratio | 63.01% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.29% |
| Core deposits to total deposits | 84.16% |
| Brokered deposits to total deposits | 1.97% |
| Deposits to assets | 88.32% |
| Securities to assets | 33.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.33% | 13.33% | 14.08% | 7.70% | 0.80% |
| Q4 2023 | 13.52% | 13.52% | 14.41% | 7.85% | 0.31% |
| Q1 2024 | 13.80% | 13.80% | 14.69% | 7.84% | 0.80% |
| Q2 2024 | 13.52% | 13.52% | 14.41% | 7.93% | 0.86% |
| Q3 2024 | 14.37% | 14.37% | 15.32% | 8.08% | 0.92% |
| Q4 2024 | 15.03% | 15.03% | 16.05% | 8.23% | 0.91% |
| Q1 2025 | 15.09% | 15.09% | 16.13% | 8.05% | 1.13% |
| Q2 2025 | 15.33% | 15.33% | 16.39% | 8.14% | 1.07% |
| Q3 2025 | 15.67% | 15.67% | 16.74% | 8.21% | 1.20% |
| Q4 2025 | 15.41% | 15.41% | 16.53% | 8.15% | 1.12% |
| Q1 2026 | 15.97% | 15.97% | 17.13% | 8.18% | 1.55% |
| Q2 2026 | 15.76% | 15.76% | 16.65% | 8.18% | 1.39% |
First Option Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Option Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Option Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4746) · FFIEC NIC profile (RSSD 285852)