FIRST OPTION BANK
OSAWATOMIE, KANSAS · FDIC Cert #4746
Capital & Safety Analysis
According to FDIC financial data, FIRST OPTION BANK holds a Tier 1 capital ratio of 13.52%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST OPTION BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST OPTION BANK shows strong financial health indicators. With $715M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST OPTION BANK has a Bank Health Score of A (91/100). It holds a Tier 1 capital ratio of 13.52%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST OPTION BANK holds $715M in total assets and $641M in total deposits. It is located in OSAWATOMIE, KANSAS (FDIC Certificate #4746).
FIRST OPTION BANK has a Tier 1 capital ratio of 13.52%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.06%, and the return on assets is 0.83%.
Yes. FIRST OPTION BANK is FDIC-insured (Certificate #4746). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.