First Option Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Option Bank (FDIC Cert #4746) at 73/100 for bank stress — a elevated level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. At the county level, First Option Bank finances markets like Johnson County, KS, Buchanan County, MO, Brown County, KS, Linn County, KS — the specific places where its credit posture translates into local lending capacity. DLRadar maps First Option Bank into 6 counties (85 ZIP codes) across 2 states — a compact, regionally concentrated lending base. It concentrates most in Kansas (5 counties), Missouri (1 county). Read against its 6-county reach, a elevated score sets the credit tone for every market on its map. First Option Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because First Option Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. DLRadar does not model First Option Bank in isolation: the 85-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. First Option Bank is held under Osawatomie Agency Inc The, so its disclosures are public and its stress trajectory is externally verifiable.

The acquisition angle is simple — lending capacity is what moves deals. As First Option Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.