BlastPoint's Banking Scorecard
First Option Bank
Community
Specialty: Other
KS
FDIC cert 4746
Osawatomie, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
First Option Bank shows strong momentum with 1 strength and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.48% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$816.0M
+8.2% YoY
+10.6% QoQ
|
-$575.5M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$462.2M
+6.2% YoY
+2.1% QoQ
|
-$513.3M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$735.4M
+9.6% YoY
+13.6% QoQ
|
-$429.2M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.11%
+28.6% YoY
-1.3% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
2.84%
+16.4% YoY
+0.6% QoQ
|
-0.82% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
69.18%
-6.9% YoY
-0.8% QoQ
|
+6.55% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.58%
-0.5% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
62.85%
-3.1% YoY
-10.1% QoQ
|
-20.21% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.92%
-4.8% YoY
+9.4% QoQ
|
+1.87% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.33%
-8.1% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
15.41%
+2.5% YoY
-1.7% QoQ
|
+5.17% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
1.21%
-3.9% YoY
+21.7% QoQ
|
+0.48% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.21%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.74%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.41% · Tier avg: 10.24%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.92% · Tier avg: 21.05%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
41
41th pctile
Total Deposits
Current: $735.4M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $816.0M · Tier avg: $1.4B
29
29th pctile
Efficiency Ratio
Current: 69.18% · Tier avg: 62.63%
24
24th pctile
Total Loans
Current: $462.2M · Tier avg: $975.5M
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.85% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.85% · Tier avg: 83.06%
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
24
24th pctile
Total Loans
Current: $462.2M · Tier avg: $975.5M
29
29th pctile
Efficiency Ratio
Current: 69.18% · Tier avg: 62.63%
36
36th pctile
Total Assets
Current: $816.0M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $735.4M · Tier avg: $1.2B
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.92% · Tier avg: 21.05%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.41% · Tier avg: 10.24%
90
90th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.74%