TellerScore

First Option Bank is a state-chartered bank (fed member) headquartered in Osawatomie, Kansas, in business for about 103 years. At the end of Q2 2026 it reported $817.6M in total assets and $722.1M in deposits, with 10 offices across 2 states.

First Option Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 134th. Loan quality contributes the most (99/100, 0.02%); capital cushion contributes the least (32/100, 8.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Tier 1 leverage ratio: 8.18%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings77/100
Return on assets (annualized): 1.44%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 66.8% · 44.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (65 → 68), mostly because the earnings component improved by 14 points.

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202465
Q1 202567
Q2 202565
Q3 202561
Q4 202560
Q1 202664
Q2 202668
Tier 1 leverage ratio
5.00%6.62%8.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.93%
Q3 20248.08%
Q4 20248.23%
Q1 20258.05%
Q2 20258.14%
Q3 20258.21%
Q4 20258.15%
Q1 20268.18%
Q2 20268.18%
Noncurrent loans
0.01%0.29%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.09%
Q4 20240.03%
Q1 20250.01%
Q2 20250.02%
Q3 20250.57%
Q4 20250.57%
Q1 20260.55%
Q2 20260.02%
Return on assets
0.83%1.17%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.86%
Q4 20240.86%
Q1 20251.11%
Q2 20251.08%
Q3 20251.12%
Q4 20251.11%
Q1 20261.51%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$817.6M8.18%0.02%1.44%66.8%
Q1 202664$786.4M8.18%0.55%1.51%70.3%
Q4 202560$816.0M8.15%0.57%1.11%62.9%
Q3 202561$738.0M8.21%0.57%1.12%69.9%
Q2 202565$741.4M8.14%0.02%1.08%66.8%
Q1 202567$715.8M8.05%0.01%1.11%67.3%
Q4 202465$753.8M8.23%0.03%0.86%64.8%
Q3 202464$709.3M8.08%0.09%0.86%73.0%
Q2 202464$715.4M7.93%0.06%0.83%69.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.18%
3rd
Total risk-based capital16.65%
76th
Problem loans0.02%
83rd
Net charge-offs0.53%
5th
Return on assets1.44%
62nd
Net interest margin3.21%
17th
Efficiency ratio63.4%
47th
Loans to deposits66.8%
74th
Uninsured deposits44.8%
7th
Loan-loss reserves0.72%
8th
Texas ratio2.5%
52nd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Western State BankBank Garden City, KS49 out of 100, Below average$802.1M10.7%3.04%vs
Community National BankBank Seneca, KS67 out of 100, Moderate$853.1M9.7%1.47%vs
Legacy BankBank Colwich, KS74 out of 100, Strong$865.0M10.6%0.06%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
Union State BankBank Arkansas City, KS76 out of 100, Strong$719.1M10.2%0.19%vs
Dream First Bank, National AssociationBank Syracuse, KS55 out of 100, Moderate$963.7M9.7%1.86%vs

Deposit insurance

Is my money safe at First Option Bank?

Yes. First Option Bank is an FDIC-insured institution (FDIC certificate #4746). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.8% of deposits ($323.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.18%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.65% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

First Option Bank lists 10 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Option Bank reported 180 home-loan applications under HMDA (LEI 254900IHGFQJY2WUC891): 136 originated ($38,780,000 total), 17 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Option Bank
Former names
The First National Bank of Osawatomie; First National Bank and Trust, Osawatomie, Kansas
Type
State-chartered bank (Fed member)
FDIC certificate #
4746
RSSD ID
285852
Primary regulator
FED
Holding company
Osawatomie Agency Inc the
Established
September 6, 1923
Headquarters
601 Main St, Osawatomie, KS 66064
Employees
121

Quick answers

First Option Bank: common questions

Is First Option Bank FDIC insured?

Yes. First Option Bank is an FDIC-insured institution (FDIC certificate #4746). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Option Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Option Bank ever failed?

There is no failure record for FDIC certificate #4746 in the FDIC failed bank list.

How many branches does First Option Bank have?

10 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Osawatomie

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of GreeleyBank Greeley, KS86 out of 100, Very strong$54.4M12.3%0.31%vs
Security Bank of Kansas CityBank Kansas City, KS85 out of 100, Very strong$3.9B12.8%0.03%vs
The First National Bank of LouisburgBank Louisburg, KS81 out of 100, Strong$201.3M10.9%0.00%vs
Patriots BankBank Garnett, KS77 out of 100, Strong$268.8M9.2%0.00%vs
TriCentury BankBank De Soto, KS77 out of 100, Strong$213.8M10.8%0.00%vs
Mid-America BankBank Baldwin City, KS76 out of 100, Strong$573.3M10.2%0.13%vs