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
Unfavorable gap of $1.6M · efficiency ratio beats 55% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 1.03% | 1.24% | 1.54% | Beats 40% | 59 / 98 | | |
| Return on Equity | 7.80% | 8.85% | 11.58% | 14.73% | Beats 16% | 82 / 98 | | |
| Net Interest Margin | 3.41% | 3.24% | 3.62% | 3.91% | Beats 37% | 62 / 98 | | |
| Efficiency Ratio | 57.47% | 51.87% | 58.88% | 64.74% | Beats 55% | 45 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.39% | 0.01% | 0.33% | 1.05% | Beats 11% | 88 / 98 | | |
| Net Charge-Offs / Loans | 0.15% | n/a | 0.00% | 0.03% | Beats 10% | 89 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 19.77% | 11.81% | 13.71% | 17.33% | Beats 84% | 16 / 98 | | |
| Total Risk-Based Capital Ratio | 20.80% | 11.81% | 14.13% | 17.45% | Beats 85% | 15 / 98 | | |
| Equity / Assets | 14.71% | 8.60% | 11.34% | 13.10% | Beats 82% | 18 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.99% | 57.09% | 69.84% | 82.47% | 93rd pctl | 7 / 98 | | |
| Loans / Assets | 70.57% | 49.34% | 58.31% | 68.94% | 81st pctl | 19 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |