TellerScore

Headquartered in Dighton, Kansas, The First National Bank of Dighton is a national bank with $88.5M in total assets and $66.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1888.

The First National Bank of Dighton has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 157th. Capital cushion contributes the most (100/100, 16.08%); loan quality contributes the least (20/100, 2.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.08%
Loan quality20/100
Noncurrent loans ÷ total loans: 2.39%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 93.0% · 32.1% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (54 → 64), mostly because the loan quality component improved by 20 points.

TellerScore
546066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202458
Q4 202462
Q1 202559
Q2 202554
Q3 202554
Q4 202559
Q1 202666
Q2 202664
Tier 1 leverage ratio
5.00%11.16%17.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.95%
Q3 202417.02%
Q4 202417.32%
Q1 202517.24%
Q2 202516.51%
Q3 202516.01%
Q4 202516.15%
Q1 202616.44%
Q2 202616.08%
Noncurrent loans
2.34%2.85%3.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.66%
Q3 20242.99%
Q4 20242.54%
Q1 20252.65%
Q2 20253.37%
Q3 20253.01%
Q4 20252.58%
Q1 20262.34%
Q2 20262.39%
Return on assets
0.57%0.93%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.74%
Q4 20240.68%
Q1 20250.66%
Q2 20250.74%
Q3 20250.57%
Q4 20250.57%
Q1 20261.29%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$88.5M16.08%2.39%1.21%93.0%
Q1 202666$83.6M16.44%2.34%1.29%85.5%
Q4 202559$80.2M16.15%2.58%0.57%84.5%
Q3 202554$83.0M16.01%3.01%0.57%92.0%
Q2 202554$83.5M16.51%3.37%0.74%92.7%
Q1 202559$77.4M17.24%2.65%0.66%80.4%
Q4 202462$74.8M17.32%2.54%0.68%74.9%
Q3 202458$79.8M17.02%2.99%0.74%76.8%
Q2 202462$80.6M16.95%2.66%0.95%76.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.08%
75th
Total risk-based capital20.80%
75th
Problem loans2.39%
15th
Net charge-offs0.33%
8th
Return on assets1.21%
62nd
Net interest margin3.69%
39th
Efficiency ratio57.5%
78th
Loans to deposits93.0%
14th
Uninsured deposits32.1%
10th
Loan-loss reserves1.07%
39th
Texas ratio10.9%
17th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
FNB WashingtonBank Washington, KS92 out of 100, Very strong$87.8M25.9%0.18%vs
The Stock Exchange Bank, Caldwell, KansasBank Caldwell, KS60 out of 100, Moderate$90.3M9.0%1.03%vs
The Farmers State BankBank Holton, KS83 out of 100, Strong$86.3M12.7%0.45%vs
The Farmers State BankBank Wathena, KS72 out of 100, Strong$84.7M13.6%1.74%vs
The First State BankBank Ness City, KS92 out of 100, Very strong$84.3M15.3%0.00%vs

Deposit insurance

Is my money safe at The First National Bank of Dighton?

Yes. The First National Bank of Dighton is an FDIC-insured institution (FDIC certificate #4654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.1% of deposits ($21.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.80% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Dighton lists 1 office in 1 city. Most locations:

  • Dighton, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Dighton
Type
National bank
FDIC certificate #
4654
RSSD ID
636753
Primary regulator
OCC
Holding company
Dighton Natl Bancshares Inc
Established
May 2, 1888
Headquarters
105 E Long St, Dighton, KS 67839
Employees
11

Quick answers

The First National Bank of Dighton: common questions

Is The First National Bank of Dighton FDIC insured?

Yes. The First National Bank of Dighton is an FDIC-insured institution (FDIC certificate #4654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Dighton's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Dighton ever failed?

There is no failure record for FDIC certificate #4654 in the FDIC failed bank list.

How many branches does The First National Bank of Dighton have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dighton

InstitutionScoreAssetsCapitalProblem loansCompare
The First State Bank of RansomBank Ransom, KS91 out of 100, Very strong$48.9M20.1%0.34%vs
The First State Bank of HealyBank Healy, KS82 out of 100, Strong$108.8M16.8%0.89%vs