BlastPoint's Banking Scorecard
The First National Bank of Dighton
Micro
Specialty: Agricultural
KS
FDIC cert 4654
Designations: ✓ Community bank
Dighton, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First National Bank of Dighton faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.98% above tier
- - Nonperforming Asset Ratio 1.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.2M
+7.3% YoY
-3.4% QoQ
|
-$137.3M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$52.7M
+15.0% YoY
-5.1% QoQ
|
-$86.5M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$62.3M
+1.9% YoY
+3.3% QoQ
|
-$121.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.57%
-16.3% YoY
+0.4% QoQ
|
-0.51% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.42%
+6.6% YoY
+1.0% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
67.02%
-1.3% YoY
-0.4% QoQ
|
-0.71% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
2.62%
+1.6% YoY
-14.2% QoQ
|
+1.98% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
84.55%
+12.8% YoY
-8.1% QoQ
|
+10.02% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
28.56%
-12.0% YoY
+2.4% QoQ
|
+6.17% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.72%
+8.9% YoY
-15.7% QoQ
|
+1.27% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
21.65%
-10.4% YoY
+3.2% QoQ
|
+12.80% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.20%
-9.5% YoY
+40.2% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.62%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.72%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Tier 1 Capital Ratio
Current: 21.65% · Tier avg: 8.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.56% · Tier avg: 22.39%
48
48th pctile
Efficiency Ratio
Current: 67.02% · Tier avg: 67.73%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.55% · Tier avg: 74.53%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
25
25th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
16
16th pctile
Total Assets
Current: $80.2M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $62.3M · Tier avg: $183.7M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.62% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.62% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
14
14th pctile
Total Deposits
Current: $62.3M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.2M · Tier avg: $217.5M
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
25
25th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.55% · Tier avg: 74.53%
48
48th pctile
Efficiency Ratio
Current: 67.02% · Tier avg: 67.73%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.56% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.65% · Tier avg: 8.85%