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Overview / Commentary
601 Main Street
Osawatomie, KS 66064

First Option Bank is headquartered in Osawatomie and is the 52nd largest bank in the state of Kansas. It is also the 2,259th largest bank in the nation. It was established in 1923 and as of September of 2016, it had grown to 67 employees at 5 locations. First Option Bank has an A health rating.


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Health Grade Components

FDIC Certificate #4746
Year Established1923
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD14.56%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$289.4MM$276.5MM
LoansQ3 2016vs Q3 2015$124.9MM$117.0MM
DepositsQ3 2016vs Q3 2015$247.6MM$238.3MM
Equity CapitalQ3 2016vs Q3 2015$27.7MM$25.2MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.5MM$1.7MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$201.00K$832.00K
Real Estate OwnedQ3 2016vs Q3 2015$590.00K$590.00K

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First Option Bank Locations
Louisburg Branch103 BroadwayLouisburg, KS 66053
21101 W. 223rd St. Branch21101 W. 223rd StreetSpring Hill, KS 66083
Lacygne Branch506 E Market StLacygne, KS 66040
First Option Bank601 Main StreetOsawatomie, KS 66064
Paola Branch702 Baptiste DrivePaola, KS 66071