Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
82nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 10, 2026
Call-report figures are for First Option Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Option Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (82nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $377K in Q2 2026, 1.3% above the same quarter a year earlier ($372K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Option Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $377K | +$20K | +5.6% |
| Q1 2026 | $357K | −$25K | −6.5% |
| Q4 2025 | $382K | −$15K | −3.8% |
| Q3 2025 | $397K | +$25K | +6.7% |
| Q2 2025 | $372K | +$4K | +1.1% |
| Q1 2025 | $368K | −$36K | −8.9% |
| Q4 2024 | $404K | −$21K | −4.9% |
| Q3 2024 | $425K | +$29K | +7.3% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First Option Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Option Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSFUnder review | |||
| Consider these ways to cover overdrafts: Service Cost Overdraft Privilege Standard or Extended Coverage (audience not stated, treated as personal) | $30.95 | per item | None |
| Overdraft (OD) (audience not stated, treated as personal) | $30.95 | per item | None |
| Overdraft Fee (audience not stated, treated as personal) | $30.95 | Not stated | None |
| Overdraft Privilege Standard or Extended Coverage (audience not stated, treated as personal) | $30.95 | per item | None |
| NSF / Returned Item (audience not stated, treated as personal) | $30.95 | Not stated | None |
| Return Item Fee (audience not stated, treated as personal) | $30.95 | Not stated | None |
Other feesUnder review | |||
| If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Re (audience not stated, treated as personal) | $30.95 | per item | None |
| Overdraft Fee (audience not stated, treated as personal) | $30.95 | Not stated | None |
| Overdraft Privilege Standard or Extended Coverage (audience not stated, treated as personal) | $30.95 | per item | None |
| Regular Checking (audience not stated, treated as personal) | $100 | Not stated | None |
| Return Item Fee (audience not stated, treated as personal) | $30.95 | Not stated | None |
| Return Item Fee of (audience not stated, treated as personal) | $30.95 | Not stated | None |
| Return Item Fee of daily maximum (audience not stated, treated as personal) | $130 | per day | None |
| Service charge (balance falls below $2,500) (audience not stated, treated as personal) | $10 | per month | None |
| We will not charge an Overdraft Fee if a consumer account is overdrawn by (audience not stated, treated as personal) | $5 | Not stated | None |
| For consumer accounts, there is a limit of ( (audience not stated, treated as personal) | $130 | per day | None |
| New consumer and business checking accounts will receive a (audience not stated, treated as personal) | $100 | Not stated | None |
| The (audience not stated, treated as personal) | $30.95 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Option Bank operates, and what regulators and customers have on file.
Branch footprint
10 offices in 2 states, $722.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $618.5M | |
| 3 | $78.7M | |
| Outside a metro area | 1 | $24.8M |
Kansas City, MO-KS
0.6% of bank deposits, #24 of 114, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| UMB Bank, National Association | 34.5% |
| Commerce Bank | 9.9% |
| Bank of America, National Association | 5.5% |
| U.S. Bank National Association | 5.4% |
| Security Bank of Kansas City | 3.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kansas City, MO-KS, First Option Bank holds 0.6% of bank deposits, #24 of 114, with 6 offices.
773 offices of 157 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 114 institutions shown. $99.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.6% share, 6 offices, #24 of 114
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
122 offices of 44 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows