BlastPoint's Banking Scorecard

The First National Bank of Dighton

under $100M Specialty: Agricultural KS FDIC cert 4654

Designations: ✓ Community bank

Dighton, KS

541 banks in the under $100M peer group nationally 48 in KS

The First National Bank of Dighton has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.46% above tier average
+ Efficiency Ratio 29.75% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.21% below tier average
- Delinquency Rate 0.99% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$83.6M +8.0% YoY +4.2% QoQ	+$21.4M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$57.9M +13.1% YoY +9.9% QoQ	+$23.7M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 13.5% in tier
Total Deposits ?	$67.8M +6.4% YoY +8.7% QoQ	+$16.0M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.29% +97.0% YoY +126.0% QoQ	+0.46%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.65% +8.9% YoY +6.8% QoQ	-0.21%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	58.59% -18.3% YoY -12.6% QoQ	-29.75%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	2.37% -11.9% YoY -9.6% QoQ	+0.99%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	85.49% +6.4% YoY +1.1% QoQ	+21.27%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	30.72% +5.5% YoY +7.6% QoQ	+7.00%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	1.64% -7.7% YoY -4.6% QoQ	+0.85%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 14.2% in tier
Tier 1 Capital Ratio ?	20.73% -8.8% YoY -4.3% QoQ	-5.95%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.06% +12.4% YoY -70.1% QoQ	-0.60%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Total Loans

size

Value: $57.94M

Peer Median: $34.25M

#74 of 541 Top 13.5% in under $100M

127

Efficiency Ratio

profitability

Value: 58.59%

Peer Median: 88.34%

#127 of 541 Top 23.3% in under $100M

133

Total Assets

size

Value: $83.57M

Peer Median: $62.16M

#133 of 541 Top 24.4% in under $100M

136

Non-Interest-Bearing Deposit Share

funding

Value: 30.72%

Peer Median: 23.71%

#136 of 541 Top 25.0% in under $100M

Top Weaknesses (3 metrics)

465

Nonperforming Asset Ratio

credit_quality

Value: 1.64%

Peer Median: 0.79%

#465 of 541 Bottom 14.2% in under $100M

429

Delinquency Rate

credit_quality

Value: 2.37%

Peer Median: 1.37%

#429 of 521 Bottom 17.9% in under $100M

435

Loan-to-Deposit Ratio

liquidity

Value: 85.49%

Peer Median: 64.22%

#435 of 541 Bottom 19.8% in under $100M