First Option Bank
Osawatomie, KS · Owner: Osawatomie Agency Inc the
$818M
total assets, June 30, 2026
$818M
total assets, June 30, 2026
First Option Bank is a state member bank based in Osawatomie, KS, owned by Osawatomie Agency Inc the. As of June 30, 2026 it held $817.6 million in assets and $722.1 million in deposits; assets were up 10.3% from a year before. It has 10 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$818M
+10.3% in a year · +4.0% in a quarter
Deposits
$722M
+7.9% in a year · +5.9% in a quarter
Loans
$486M
+7.6% in a year · +0.5% in a quarter
Profit so far
$5.8M
Jan 1 to Jun 30, 2026 · +45.3% in a year
Capital ratio
8.18%
+0.04 pts in a year
Return on assets
1.44%
+0.36 pts in a year
Facts
- Type
- State member bank
- Head office
- 601 Main St, Osawatomie, KS, 66064
- County
- Miami
- Holding company
- Osawatomie Agency Inc the
- Established
- Sep 6, 1923
- Employees
- 121
- Branches
- 10 in 2 states
- Website
- www.firstoptionbank.com
- Id
- b4746
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
10 offices as of June 30, 2026, holding $722.1 million in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Paola Branch | Paola, KS | $247M |
| First Option Bank (main office) | Osawatomie, KS | $134M |
| Louisburg Branch | Louisburg, KS | $77.5M |
| 21101 W. 223Rd St. Branch | Spring Hill, KS | $73.0M |
| Overland Park Branch | Overland Park, KS | $53.3M |
| Lacygne Branch | Lacygne, KS | $33.0M |
| Elwood Branch | Elwood, KS | $30.8M |
| Saint Joseph Branch | Saint Joseph, MO | $25.3M |
| Horton Branch | Horton, KS | $24.8M |
| 1St Bank Of Troy Branch | Troy, KS | $22.6M |
Related pages
Questions and answers
How big is First Option Bank?
$817.6 million in total assets and $722.1 million in deposits as of June 30, 2026, with assets up 10.3% from a year before. Its loans were $485.9 million.
How many branches does First Option Bank have?
10 branches in 2 states as of June 30, 2026. The most deposits are in Kansas ($696.8 million).
Is First Option Bank profitable?
Yes: it earned $5.80 million from January 1 to June 30, 2026 (up 45.3% from the same months a year before). Its return on assets was 1.44% a year; about 1% is typical.
Who owns First Option Bank?
First Option Bank is owned by Osawatomie Agency Inc the, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.