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First National Bank of Dighton, The

Dighton, KS · Cert 4654 · Dighton Natl Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

84

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Dighton, The

Dighton, KS · Cert 4654 · Dighton Natl Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$88.5MAssets
$62.5MLoans
$66.5MDeposits
$13.0MEquity
Loan mix
72%RE $26.0M21%C&I $7.7M7%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $46.0M31%Noninterest $20.4MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.24%Q2 ’254.51%Q2 ’260%+9%

Non-interest income vs. expense

2.00%Q2 ’242.26%Q2 ’252.11%Q2 ’26+15%-9%

Executive Summary

  • Earnings: ROA of 1.21%, up 47 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 2.39% of loans (-98 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 16.08%, down 43 bps from a year ago.
  • Funding: loans stand at 93.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+29 bps YoY

Efficiency Ratio (YTD, annualized)

57.47%-1,004 bps YoY

Tier 1 Leverage Ratio

16.08%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.57%0.57%1.29%1.21%+47 bps
Return on Equity4.87%3.78%3.77%8.38%7.96%+309 bps
Net Interest Margin3.12%3.04%3.12%3.42%3.41%+29 bps
Efficiency Ratio67.52%67.30%67.02%58.59%57.47%-1,004 bps
Non-Interest Burden2.04%1.98%2.02%1.90%1.85%-18 bps
Growth
Asset Growth (YoY)3.61%4.05%7.25%8.00%5.97%+236 bps
Loan Growth (YoY)17.35%17.48%15.01%13.10%8.98%-837 bps
Deposit Growth (YoY)-2.73%-1.95%1.90%6.37%8.70%+1,142 bps
Asset Quality
Nonperforming Loans / Loans3.37%3.01%2.58%2.34%2.39%-98 bps
Net Charge-Offs / Loans0.02%0.11%0.09%0.38%0.30%+28 bps
Allowance / Loans1.08%1.22%1.33%1.11%1.07%-1 bps
Allowance Coverage of NPLs0.3x0.4x0.5x0.5x0.4x+0.1x
Capital
Tier 1 Leverage Ratio16.51%16.01%16.15%16.44%16.08%-43 bps
Total Risk-Based Capital21.67%22.17%22.90%21.83%20.80%-87 bps
Equity / Assets14.67%15.04%15.61%15.28%14.71%+4 bps
Liquidity & Funding
Loans / Deposits93.76%93.12%85.68%86.45%93.99%+24 bps
Liquid Assets / Assets4.18%4.20%4.55%3.28%3.10%-108 bps
CRE / Total Capitaln/a24.58%25.57%23.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Dighton, The

Dighton, KS · Cert 4654 · Peer group: banks under $1B in assets in KS (n=98) · Dighton Natl Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$88.5MAssets
$62.5MLoans
$66.5MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 85% of banks under $1B in assets in KS (rank 15 of 98).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in KS (rank 89 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.15%

Rank 59 of 98

Net Interest Margin

3.41%

Rank 62 of 98

Efficiency Ratio

57.47%

Rank 45 of 98

Equity / Assets

14.71%

Rank 18 of 98

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 55% of banks under $1B in assets in KS
Bank 57.47%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%1.03%1.24%1.54%Beats 40%59 / 98
Return on Equity7.80%8.85%11.58%14.73%Beats 16%82 / 98
Net Interest Margin3.41%3.24%3.62%3.91%Beats 37%62 / 98
Efficiency Ratio57.47%51.87%58.88%64.74%Beats 55%45 / 98
Asset Quality
Nonperforming Loans / Loans2.39%0.01%0.33%1.05%Beats 11%88 / 98
Net Charge-Offs / Loans0.15%n/a0.00%0.03%Beats 10%89 / 98
Capital
Tier 1 Capital Ratio19.77%11.81%13.71%17.33%Beats 84%16 / 98
Total Risk-Based Capital Ratio20.80%11.81%14.13%17.45%Beats 85%15 / 98
Equity / Assets14.71%8.60%11.34%13.10%Beats 82%18 / 98
Liquidity & Funding
Loans / Deposits93.99%57.09%69.84%82.47%93rd pctl7 / 98
Loans / Assets70.57%49.34%58.31%68.94%81st pctl19 / 98
Brokered Deposits / Depositsn/aNot reported for this institution