SBA lender profile
First Option Bank
First Option Bank appears in the public SBA loan data with 16 funded 7(a) loans since FY2010, totaling $2.9M, an average of $182K per loan, and an estimated 70 jobs supported. Its SBA lending concentrates in Kansas and the Retail Trade sector. With only 16 7(a) loans in the data, the sample is too small to read a charge-off rate as a track record.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
Is First Option Bank the right lender for you?
First Option Bank appears in the SBA record with 16 funded loans since FY2010, too few to read as a lending pattern. That is not a mark against the institution, but it does mean the record cannot tell you whether it lends to businesses like yours. Lenders with a deeper track record in your state and industry can.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $786M
- Headquarters
- Osawatomie, KS
- FDIC cert
- #4746
- Status
- Active
Where First Option Bank lends
Top states by funded SBA volume.
Metro areas where First Option Bank funds
What First Option Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 7 | $992K |
| Wholesale Trade | 3 | $841K |
| Finance and Insurance | 1 | $269K |
| Professional and Technical Services | 1 | $250K |
| Accommodation and Food Services | 1 | $240K |
| Manufacturing | 1 | $120K |
First Option Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 4 | $640K |
| 2011 | 3 | $228K |
| 2012 | 2 | $319K |
| 2013 | 2 | $225K |
| 2014 | 1 | $285K |
| 2018 | 1 | $347K |
| 2021 | 2 | $624K |
| 2026 | 1 | $240K |
Related SBA lenders
Other lenders active in Kansas or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
First Option Bank: frequently asked questions
Does First Option Bank offer SBA loans?
Yes. First Option Bank appears in the public SBA data with 16 funded SBA 7(a) loans totaling $2.9M.
How many SBA loans has First Option Bank made?
First Option Bank is associated with 16 SBA 7(a) loans totaling $2.9M in the public SBA data (as of 2026-03-31).
What is First Option Bank's SBA charge-off rate?
First Option Bank appears with only 16 7(a) loans in the data, too few for a charge-off rate to be meaningful as a track record. The SBA Lender Score treats fewer than 20 loans as insufficient data for the same reason; see our methodology.
Where does First Option Bank do most of its SBA lending?
First Option Bank's SBA lending in the data is most concentrated in Kansas, and by industry in Retail Trade.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). First Option Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-option-bank/
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