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Overview / Commentary
601 Main Street
Osawatomie, KS 66064

First Option Bank is headquartered in Osawatomie and is the 50th largest bank in the state of Kansas. It is also the 2,205th largest bank in the nation. It was established in 1923 and as of December of 2016, it had grown to 68 employees at 5 locations. First Option Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #4746
Year Established1923
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD14.65%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$300.2MM$300.4MM
LoansQ4 2016vs Q4 2015$127.1MM$119.0MM
DepositsQ4 2016vs Q4 2015$274.8MM$273.7MM
Equity CapitalQ4 2016vs Q4 2015$24.3MM$25.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.6MM$1.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$238.00K$875.00K
Real Estate OwnedQ4 2016vs Q4 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