$484M
+9.5%y/y
Percentile by value76th percentileby value
FDIC
LNLSGRFO
First Option Bank
Osawatomie, KansasFDIC Cert #4746
STATEEstablished 192310 branches
Holding company: OSAWATOMIE AGENCY INC THERegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $30.5M |
| Investor CRE | $66.9M |
| Multifamily | $20.2M |
| Construction | $61.5M |
| 1–4 family | $220M |
| C&I | $30.4M |
| Agriculture | $27.8M |
| Other | $26.5M |
Loan book
Reported balances and balance-sheet intensity.
$479M
+9.4%y/y
Percentile by value76th percentileby value
FDIC
LNLSNET+9.44%
+2,968.7%y/y
Percentile by value69th percentileby value
FDIC
LNLSNET70.3%
+4.5%y/y
Percentile by value28th percentileby value
FDIC
LNLSNET + DEP60.9%
−0.4%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET + ASSET91.22%
+0.8%y/y
Percentile by value69th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
217%
+12.0%y/y
Percentile by value68th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC90%
+3.0%y/y
Percentile by value88th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,556points
−7.7%y/y
Peer standing31st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD6.31%
−14.4%y/y
Percentile by value21st percentileby value
FDIC
LNRENROW + LNLSGR13.83%
−6.0%y/y
Percentile by value51st percentileby value
FDIC
LNRENROT + LNLSGR6.28%
+9.4%y/y
Percentile by value29th percentileby value
FDIC
LNCI + LNLSGR