BlastPoint's Banking Scorecard

First Option Bank

$100M-$1B Specialty: Commercial KS FDIC cert 4746

Osawatomie, KS

10 branches across KS · MO

2664 banks in the $100M-$1B peer group nationally 118 in KS

First Option Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 21.0% in tier
+ ROA 0.24% above tier average
+ Efficiency Ratio 2.70% below tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.76% below tier average

Get updates when First Option Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$786.4M +9.9% YoY -3.6% QoQ	+$400.3M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 8.7% in tier
Total Loans ?	$479.1M +9.4% YoY +3.7% QoQ	+$223.4M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 12.8% in tier
Total Deposits ?	$681.9M +4.8% YoY -7.3% QoQ	+$354.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 8.0% in tier
Return on Assets ?	1.51% +35.9% YoY +36.4% QoQ	+0.24%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	3.17% +16.5% YoY +11.6% QoQ	-0.76%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	62.59% -11.1% YoY -9.5% QoQ	-2.70%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.55% -4.0% QoQ	-0.33%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	70.26% +4.5% YoY +11.8% QoQ	-6.38%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	21.59% +0.3% YoY -5.8% QoQ	-0.43%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.34% +3.2% QoQ	-0.30%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	15.97% +5.8% YoY +3.6% QoQ	+0.14%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.34% -4.1% YoY -72.2% QoQ	+0.06%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 6.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#141 of 666 • Top 21.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

160

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#160 of 2664 Top 6.0% in $100M-$1B

215

Total Deposits

size

Value: $681.94M

Peer Median: $327.97M

#215 of 2664 Top 8.0% in $100M-$1B

232

Total Assets

size

Value: $786.35M

Peer Median: $386.08M

#232 of 2664 Top 8.7% in $100M-$1B

343

Total Loans

size

Value: $479.11M

Peer Median: $255.72M

#343 of 2664 Top 12.8% in $100M-$1B

Top Weaknesses (1 metrics)

2216

Net Interest Margin

profitability

Value: 3.17%

Peer Median: 3.93%

#2216 of 2664 Bottom 16.9% in $100M-$1B