First Option Bank
Total assets
$817.6M
▲ +10.3% YoY
Deposits
$722.1M
▲ +7.9% YoY
Loans
$482.4M
▲ +7.8% YoY
Offices
10
OSAWATOMIE AGENCY INC THE
ROA (annualized)
1.44%
peers 1.28%
ROE (annualized)
22.51%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Option Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.9% | +5.4 pts |
| Deposit growth (YoY) | +7.9% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +7.8% | +5.3% | +2.5 pts |
| ROA | 1.44% | 1.28% | +0.2 pts |
| ROE | 22.5% | 12.4% | +10.1 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
Profile
- Established
- 1923
- Charter
- State
- Primary regulator
- FED
- Holding company
- OSAWATOMIE AGENCY INC THE
- Specialization
- Commercial Lending Specialization
- Address
- 601 Main St, Osawatomie, KS, 66064
- County
- Miami
- Metro area
- Kansas City, MO-KS
- Offices
- 10
- FDIC cert #
- 4746
- RSSD ID
- 285852
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $817.6M | $722.1M | $482.4M | $53.2M | $5.8M | 1.44% | 3.21% | 0.17% |
| Q1 2026 | $786.4M | $681.9M | $479.1M | $51.6M | $3.0M | 1.51% | 3.17% | 0.34% |
| Q4 2025 | $816.0M | $735.4M | $462.2M | $49.8M | $8.3M | 1.11% | 2.84% | 0.33% |
| Q3 2025 | $738.0M | $647.2M | $452.7M | $47.6M | $6.2M | 1.12% | 2.83% | 0.36% |
| Q2 2025 | $741.4M | $669.4M | $447.4M | $44.8M | $4.0M | 1.08% | 2.75% | 0.02% |
| Q1 2025 | $715.8M | $650.9M | $437.8M | $43.2M | $2.0M | 1.11% | 2.72% | 0.01% |
| Q4 2024 | $753.8M | $671.2M | $435.3M | $41.8M | $6.2M | 0.86% | 2.44% | 0.01% |
| Q3 2024 | $709.3M | $597.7M | $436.6M | $40.9M | $4.6M | 0.86% | 2.43% | 0.06% |
Loan mix (Q2 2026): real estate $422.6M · commercial $31.3M · consumer $17.0M · securities $270.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Option Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 22.5% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.89% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 61.2% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Option Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Option Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Option Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Option Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Community National BankSeneca, KS · $853.1M
- Legacy BankColwich, KS · $865.0M
- United Bank & TrustMarysville, KS · $892.9M
- Dream First Bank, National AssociationSyracuse, KS · $963.7M
- First Freedom BankLebanon, TN · $817.8M
- Wilson & Muir Bank & Trust CompanyBardstown, KY · $818.4M
Selling to First Option Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.