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Letter portraitLegal landscapeQuarterYTD

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 $2.5MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $46.0M31%Noninterest $20.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.13%, up 31 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 2.39% of loans (-98 bps YoY), with net charge-offs at 0.25%.
  • 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.

Return on Assets (quarter, annualized)

1.13%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+27 bps YoY

Efficiency Ratio (quarter, annualized)

56.44%-726 bps YoY

Tier 1 Leverage Ratio

16.08%-43 bps YoY

NIM

4.31%Q2 ’244.49%Q2 ’254.66%Q2 ’26+10%+8%

Non-interest income vs. expense

2.17%Q2 ’242.23%Q2 ’252.15%Q2 ’26+1%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.49%0.66%0.82%0.25%0.57%1.29%1.13%+31 bps
Return on Equity2.33%3.21%4.28%5.43%1.68%3.71%8.38%7.54%+211 bps
Net Interest Margin2.85%3.08%3.15%3.26%3.08%3.21%3.42%3.54%+27 bps
Efficiency Ratio82.83%71.22%71.71%63.70%66.86%66.20%58.59%56.44%-726 bps
Non-Interest Burden2.33%2.13%2.20%1.99%2.01%2.06%1.90%1.88%-11 bps
Growth
Asset Growth (YoY)5.13%-1.95%-1.47%3.61%4.05%7.25%8.00%5.97%+236 bps
Loan Growth (YoY)13.12%7.51%11.48%17.35%17.48%15.01%13.10%8.98%-837 bps
Deposit Growth (YoY)6.21%-6.23%0.47%-2.73%-1.95%1.90%6.37%8.70%+1,142 bps
Asset Quality
Nonperforming Loans / Loans2.99%2.54%2.65%3.37%3.01%2.58%2.34%2.39%-98 bps
Net Charge-Offs / Loans0.10%-0.06%0.00%0.05%0.28%0.02%0.38%0.25%+20 bps
Allowance / Loans1.24%1.29%1.16%1.08%1.22%1.33%1.11%1.07%-1 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.3x0.4x0.5x0.5x0.4x+0.1x
Capital
Tier 1 Leverage Ratio17.02%17.32%17.24%16.51%16.01%16.15%16.44%16.08%-43 bps
Total Risk-Based Capital24.67%25.36%23.83%21.67%22.17%22.90%21.83%20.80%-87 bps
Equity / Assets15.03%15.33%15.39%14.67%15.04%15.61%15.28%14.71%+4 bps
Liquidity & Funding
Loans / Deposits77.72%75.91%81.31%93.76%93.12%85.68%86.45%93.99%+24 bps
Liquid Assets / Assets7.81%5.67%4.51%4.18%4.20%4.55%3.28%3.10%-108 bps
CRE / Total Capitaln/an/an/an/a24.58%25.57%23.44%n/an/a