First Option Bank (FDIC #4746): Bank Stress & Real-Estate Credit Exposure
First Option Bank (FDIC Cert #4746): bank stress 73/100, elevated, STABLE over 7 days; parent OSAWATOMIE AGENCY INC THE.
First Option Bank (#4746) lends in 6 counties across 2 states; First Option Bank (#4746) reaches 85 ZIP codes: Kansas 5 counties, 70 ZIPs; Missouri 1 county, 15 ZIPs.
First Option Bank (#4746) largest markets: Johnson County, KS (35 branches, 35 ZIPs) (#4746), Buchanan County, MO (15 branches, 15 ZIPs) (#4746), Brown County, KS (13 branches, 13 ZIPs) (#4746), Linn County, KS (11 branches, 11 ZIPs) (#4746), Miami County, KS (44 branches, 11 ZIPs) (#4746), Doniphan County, KS (20 branches, 10 ZIPs) (#4746).
First Option Bank (#4746) reports $817.6 million in total assets; First Option Bank (#4746) equity $53.2 million (6.5% of First Option Bank (#4746) assets); First Option Bank (#4746) domestic deposits $722.1 million; First Option Bank (#4746) net income $5.8 million; First Option Bank (#4746) return on assets 1.44%; First Option Bank (#4746) return on equity 22.51%; First Option Bank (#4746) net interest income $12.2 million; First Option Bank (#4746) call report June 30, 2026.
First Option Bank (#4746) noncurrent real-estate loans 0.61% of its book; First Option Bank (#4746) net charge-offs on real estate 0.00%.
First Option Bank (#4746) net interest margin 3.21% against an eight-quarter First Option Bank (#4746) average of 2.80% (First Option Bank (#4746) compression -0.41 points); First Option Bank (#4746) real-estate loans 60.9% of equity; First Option Bank (#4746) rate-exposure score 40/100, First Option Bank (#4746) fixed-rate trap 40/100; First Option Bank (#4746) risk type credit driven; First Option Bank (#4746) rate regime rates elevated, First Option Bank (#4746) snapshot October 19, 2026.
First Option Bank (#4746) stress score moved from 70.4 on June 22, 2026 to 72.5 on October 19, 2026; First Option Bank (#4746) ranged 70.4 to 72.5 over 116 snapshots.
First Option Bank (#4746) alerts: 6 counties; top First Option Bank (#4746) alert scores: Horton County, KS 25 (low); La Cygne County, KS 25 (low); Overland Park County, KS 25 (low); Saint Joseph County, KS 25 (low); Spring Hill County, KS 25 (low).