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 First Option Bank
First Option Bank
| RSSD ID 285852 | CERTIFICATE 4746 | ABA NUMBER 101114109 |
| 601 Main St |
Quarter Ended : |
2025-09-30 |
| Osawatomie, Kansas, 66064 |
Updated : |
2025-11-05 |
| www.firstoptionbank.com |
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| Institution Profile |
| Year Opened : |
1923 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
112 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 737,964 |
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Total Interest Income | 25,338 |
| Total Liabilities | 690,333 |
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Total NonInterest Income | 7,365 |
| Total Bank Equity Capital | 47,631 |
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Total Interest Expense | 10,582 |
| Total Deposits | 647,173 |
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Total NonInterest Expense | 15,468 |
| Net Loans & Leases | 452,679 |
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Net Income | 6,203 |
| Loan Loss Allowance | 3,986 |
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Net Charge Offs | 91 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 64,747 |
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Total loans | 447,618 |
| Total assets for the leverage ratio | 737,801 |
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Loans secured by real estate: | 400,300 |
| Tier 1 Leverage Ratio | 8.21 |
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Commercial and industrial loans | 25,113 |
| Tier 1 Capital Ratio | 15.67 |
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Loans to individuals - Credit Cards | 943 |
| Total Capital Ratio | 16.74 |
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Loans to individuals - Other | 18,916 |
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:· First Option Bank
