BlastPoint's Banking Scorecard

First Option Bank

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

Osawatomie, KS

10 branches across KS · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +7.9% year over year ($722.1M on the books).
Delinquency rate 0.02%.
Return on assets 1.44%.
Efficiency ratio 63.37% vs a 64.48% peer average.
Loan-to-deposit ratio 66.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (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

+ Credit Quality Leader: Top 19.7% in tier
+ Revenue Diversifier: Top 25.6% in tier
+ ROA 0.11% above tier average
+ Efficiency Ratio 1.11% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.77% below tier average

Get updates when First Option Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$817.6M +10.3% YoY +4.0% QoQ	+$431.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 7.1% in tier
Total Loans ?	$482.4M +7.8% YoY +0.7% QoQ	+$224.1M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 13.2% in tier
Total Deposits ?	$722.1M +7.9% YoY +5.9% QoQ	+$395.4M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 5.4% in tier
Return on Assets ?	1.44% +32.8% YoY -4.8% QoQ	+0.11%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	3.21% +16.9% YoY +1.3% QoQ	-0.77%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	63.37% -9.8% YoY +1.2% QoQ	-1.11%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	0.02% -5.4% YoY -96.1% QoQ	-0.90%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	66.81% -0.1% YoY -4.9% QoQ	-11.15%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	21.90% +4.8% YoY +1.4% QoQ	-0.13%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.17% +690.8% YoY -49.1% QoQ	-0.50%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	15.76% +2.9% YoY -1.3% QoQ	-0.15%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.66% -0.5% YoY +95.0% QoQ	+0.09%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 6.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	21.9% +1.0pp YoY +0.3pp QoQ	-0.2pp	22.1%	22.3%	22.2%	54%
Brokered Deposits	2.0% -3.6pp YoY -0.1pp QoQ	-5.9pp	7.9%	8.7%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	6.5% +0.7pp YoY +0.1pp QoQ	-5.1pp	11.6%	12.6%	12.5%	29%
CRE	37.0% +1.0pp YoY -0.4pp QoQ	-2.5pp	39.5%	28.8%	41.4%	47%
1-4 Family	45.5% -2.1pp YoY -0.4pp QoQ	+12.8pp	32.6%	26.7%	31.3%	78%
Consumer	3.5% -1.1pp YoY 0.0pp QoQ	-0.6pp	4.1%	4.6%	5.0%	66%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	15.8% +0.4pp YoY -0.2pp QoQ	-3.1pp	18.8%	23.3%	19.7%	56%
Leverage Ratio	8.2% 0.0pp YoY 0.0pp QoQ	-4.0pp	12.2%	12.6%	12.6%	3%
Total Capital Ratio	16.7% +0.3pp YoY -0.5pp QoQ	-3.3pp	19.9%	24.4%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	121 +6 (+5.2%) YoY +2 (+1.7%) QoQ	+62	58	70	482	93%
Assets per Employee ($)	$6.8M +4.8% YoY +2.3% QoQ	-$761K	$7.5M	$7.1M	$8.8M	48%
Branch Count	10 0 YoY 0 QoQ	+5	4	6	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.4%	0.4%	1%
Nonaccrual	0.0% 0.0pp YoY -0.5pp QoQ	-0.9pp	0.9%	0.8%	1.0%	6%
Allowance Coverage	33.69x -13.2% YoY +1888.1% QoQ	+9.54x	24.15x	22.44x	20.23x	92%
Net Charge-off Rate (YTD)	0.5% +0.5pp YoY +0.5pp QoQ	+0.4pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	22.5% +4.1pp YoY -1.3pp QoQ	+10.3pp	12.2%	14.3%	11.6%	93%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	50%
Net Income ($, YTD)	$5.8M +45.3% YoY — QoQ	+$3.2M	$2.6M	$3.7M	$40.4M	91%

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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 (2)

Credit Quality Leader

growth

#131 of 659 • Top 19.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Revenue Diversifier

growth

#170 of 661 • Top 25.6% 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: 0.66%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.44%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

143

Total Deposits

size

Value: $722.09M

Peer Median: $326.73M

#143 of 2643 Top 5.4% in $100M-$1B

167

Non-Interest Income / Assets

revenue_mix

Value: 0.66%

Peer Median: 0.57%

#167 of 2643 Top 6.3% in $100M-$1B

189

Total Assets

size

Value: $817.58M

Peer Median: $386.57M

#189 of 2643 Top 7.1% in $100M-$1B

350

Total Loans

size

Value: $482.41M

Peer Median: $258.35M

#350 of 2643 Top 13.2% in $100M-$1B

430

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#430 of 2633 Top 16.3% in $100M-$1B

Top Weaknesses (1 metrics)

2210

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.99%

#2210 of 2643 Bottom 16.4% in $100M-$1B