Lender record
First Option Bank
The real lending record — every figure below is drawn from public SBA 7(a) loan records (FY2020–present): the loans First Option Bank funded, the businesses, the branches, and its FDIC profile. HQ: 601 Main St, Osawatomie, KS. 10 branches.
3
Recent deals (FY20+)
$250K
Typical deal
—
Approval → funding
Where First Option Bank lends
Deals First Option Bank funded — list all 3 as text
- Paola SSP, LLC — Paola · $240K · FY2026 · Full-Service Restaurants
- Quality Automotive Equipment & Services LLC — Paola · $374K · FY2021 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
- RTO Benefits LLC — Overland Park · $250K · FY2021 · Custom Computer Programming Services
Deal profile
Most First Option Bank deals land between $240K and $374K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Full-Service Restaurants (1)
- 2.Motor Vehicle Supplies and New Parts Merchant Wholesalers (1)
- 3.Custom Computer Programming Services (1)
Most active states
- 1.Kansas (3 deals)
Franchises they finance most
Can First Option Bank fund you? The bank behind the loans
Total assets
$817.6M
▲ 4% vs prior quarter
Deposits on hand
$722.1M
▲ 5.9% vs prior quarter
Loans outstanding
$482.4M
▲ 0.7% vs prior quarter
Net income (latest qtr)
$5.8M
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes First Option Bank more SBA-focused than 13% of the banks on our record.
- •Deposits grew last quarter — more raw lending capacity than the quarter before.
- •Return on assets of 1.44% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 06/2026.
Recent deals
- Paola SSP, LLC in Paola, KS — $240K (2026) · purchase · Full-Service Restaurants
- Program
- 7a General
- Rate at approval
- 9.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $180K (75%)
- Approved
- 3/11/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Simple Simon's Pizza
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $267K
- Est. down payment (10%)
- $27K
- Est. cash at closing
- $36K
- Monthly payment
- $5,040
- Annual debt service
- $60K
- Cash flow needed (1.25×)
- $76K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Quality Automotive Equipment & Services LLC in Paola, KS — $374K (2021) · Motor Vehicle Supplies and New Parts Merchant Wholesalers
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $187K (50%)
- Approval → funding
- 22 days
- Approved
- 12/14/2020
- First disbursed
- 1/5/2021
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Motor Vehicle Supplies and New Parts Merchant Wholesalers
Your business? Claim this record · Request removal
- RTO Benefits LLC in Overland Park, KS — $250K (2021) · Custom Computer Programming Services
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 24 days
- Approved
- 2/23/2021
- First disbursed
- 3/19/2021
- Loan status
- Paid in full (4/30/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Custom Computer Programming Services
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Businesses First Option Bank financed
3 businesses on record. Each links to its full SBA record.
Work at First Option Bank?
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CapBench analysis of public lending records, FY2020–present. Not affiliated with First Option Bank.
Agent summary
This page summarizes First Option Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 3 SBA 7(a) loans on record
- $250K typical deal
- 1 business-acquisition loans
- HQ: 601 Main St, Osawatomie, KS
- FDIC total assets $817.6M
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-11.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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