Is First Option Bank Safe?
First Option Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (53/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.52% | 89/100 |
| Nonperforming Loan Ratio | 0.06% | 99/100 |
| Liquidity Ratio | 33.58% | 100/100 |
| Return on Assets | 0.83% | 53/100 |
| Total Assets | $0.7B | |
How does First Option Bank compare?
With a Bank Health Score of 91/100, First Option Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Kansas, where 159 FDIC-insured banks are headquartered, First Option Bank ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 13.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.06% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Option Bank's Bank Health Score held roughly steady at 91/100. Tier 1 capital strengthened by 0.20 percentage points to 13.52%. Quarter-over-quarter, the score fell by 1.0 points.
First Option Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (53/100).