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 First Option Bank
First Option Bank
| RSSD ID 285852 | CERTIFICATE 4746 | ABA NUMBER 101114109 |
| 601 Main St |
Quarter Ended : |
2025-12-31 |
| Osawatomie, Kansas, 66064 |
Updated : |
2026-02-03 |
| 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 : |
119 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 815,953 |
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Total Interest Income | 34,230 |
| Total Liabilities | 766,202 |
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Total NonInterest Income | 9,911 |
| Total Bank Equity Capital | 49,751 |
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Total Interest Expense | 14,021 |
| Total Deposits | 735,370 |
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Total NonInterest Expense | 20,899 |
| Net Loans & Leases | 462,199 |
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Net Income | 8,335 |
| Loan Loss Allowance | 4,347 |
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Net Charge Offs | 80 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 66,503 |
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Total loans | 454,998 |
| Total assets for the leverage ratio | 760,235 |
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Loans secured by real estate: | 404,736 |
| Tier 1 Leverage Ratio | 8.15 |
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Commercial and industrial loans | 25,056 |
| Tier 1 Capital Ratio | 15.41 |
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Loans to individuals - Credit Cards | 947 |
| Total Capital Ratio | 16.53 |
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Loans to individuals - Other | 17,898 |
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:· First Option Bank
