Dighton, KS · Cert 4654 · Dighton Natl Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.68% | 0.66% | 0.74% | 0.57% | 0.57% | 1.29% | 1.21% | +47 bps | |
| Return on Equity | 5.16% | 4.69% | 4.28% | 4.87% | 3.78% | 3.77% | 8.38% | 7.96% | +309 bps | |
| Net Interest Margin | 3.03% | 3.10% | 3.15% | 3.12% | 3.04% | 3.12% | 3.42% | 3.41% | +29 bps | |
| Efficiency Ratio | 66.79% | 67.88% | 71.71% | 67.52% | 67.30% | 67.02% | 58.59% | 57.47% | -1,004 bps | |
| Non-Interest Burden | 1.95% | 2.04% | 2.20% | 2.04% | 1.98% | 2.02% | 1.90% | 1.85% | -18 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 / Loans | 2.99% | 2.54% | 2.65% | 3.37% | 3.01% | 2.58% | 2.34% | 2.39% | -98 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.02% | 0.11% | 0.09% | 0.38% | 0.30% | +28 bps | |
| Allowance / Loans | 1.24% | 1.29% | 1.16% | 1.08% | 1.22% | 1.33% | 1.11% | 1.07% | -1 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.4x | 0.3x | 0.4x | 0.5x | 0.5x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.02% | 17.32% | 17.24% | 16.51% | 16.01% | 16.15% | 16.44% | 16.08% | -43 bps | |
| Total Risk-Based Capital | 24.67% | 25.36% | 23.83% | 21.67% | 22.17% | 22.90% | 21.83% | 20.80% | -87 bps | |
| Equity / Assets | 15.03% | 15.33% | 15.39% | 14.67% | 15.04% | 15.61% | 15.28% | 14.71% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.72% | 75.91% | 81.31% | 93.76% | 93.12% | 85.68% | 86.45% | 93.99% | +24 bps | |
| Liquid Assets / Assets | 7.81% | 5.67% | 4.51% | 4.18% | 4.20% | 4.55% | 3.28% | 3.10% | -108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.58% | 25.57% | 23.44% | n/a | n/a | |