BlastPoint's Banking Scorecard

The First National Bank of Dighton

under $100M Specialty: Agricultural KS FDIC cert 4654

Designations: ✓ Community bank

Dighton, KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
Deposits +8.7% year over year ($66.5M on the books).
Delinquency rate 2.42%.
Return on assets 1.21%.
Efficiency ratio 57.47% vs a 119.40% peer average.
Loan-to-deposit ratio 92.99% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View under $100M leaderboard (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 0.21% above tier average
+ Efficiency Ratio 61.92% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.22% below tier average
- Delinquency Rate 0.94% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$88.5M +6.0% YoY +5.9% QoQ	+$26.1M	$62.4M -0.0% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$61.8M +9.0% YoY +6.7% QoQ	+$26.9M	$34.9M -0.6% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 11.8% in tier
Total Deposits ?	$66.5M +8.7% YoY -1.9% QoQ	+$14.8M	$51.6M -0.2% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	1.21% +64.2% YoY -6.7% QoQ	+0.21%	1.00% +3.5% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	3.69% +8.6% YoY +1.0% QoQ	-0.22%	3.91% +2.3% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	57.47% -14.9% YoY -1.9% QoQ	-61.92%	119.40% +49.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	2.42% -29.0% YoY +2.2% QoQ	+0.94%	1.48% +31.8% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	92.99% +0.3% YoY +8.8% QoQ	+18.78%	74.21% +12.6% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	30.72% +9.6% YoY +0.0% QoQ	+7.23%	23.49% +0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	1.69% -27.0% YoY +2.9% QoQ	+0.85%	0.84% +23.0% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Bottom 13.6% in tier
Tier 1 Capital Ratio ?	19.77% -4.2% YoY -4.6% QoQ	-7.36%	27.13% +3.0% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.12% +14.1% YoY +103.6% QoQ	-1.26%	1.38% +6.3% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	30.7% +2.7pp YoY 0.0pp QoQ	+6.1pp	24.6%	22.3%	22.2%	75%
Brokered Deposits	15.0% -1.3pp YoY +0.3pp QoQ	+5.3pp	9.8%	8.7%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	14.0% +1.5pp YoY +0.7pp QoQ	+0.6pp	13.4%	12.6%	12.5%	64%
CRE	n/a	n/a	25.2%	28.8%	41.4%	n/a
1-4 Family	10.1% -0.3pp YoY -0.4pp QoQ	-24.9pp	35.0%	26.7%	31.3%	21%
Consumer	4.6% +0.4pp YoY +0.4pp QoQ	-3.0pp	7.7%	4.6%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	19.8% -0.9pp YoY -1.0pp QoQ	-18.9pp	38.7%	23.3%	19.7%	45%
Leverage Ratio	16.1% -0.4pp YoY -0.4pp QoQ	-1.6pp	17.7%	12.6%	12.6%	75%
Total Capital Ratio	20.8% -0.9pp YoY -1.0pp QoQ	-18.9pp	39.7%	24.4%	20.8%	45%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	11 +1 (+10.0%) YoY 0 QoQ	-1	12	70	482	50%
Assets per Employee ($)	$8.0M -3.7% YoY +5.9% QoQ	+$1.9M	$6.2M	$7.1M	$8.8M	80%
Branch Count	1 0 YoY 0 QoQ	-1	1	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.7pp YoY +0.2pp QoQ	-0.7pp	1.0%	0.4%	0.4%	39%
Nonaccrual	2.2% -0.3pp YoY -0.2pp QoQ	+0.4pp	1.7%	0.8%	1.0%	78%
Allowance Coverage	0.45x +40.1% YoY -6.0% QoQ	-5.96x	6.41x	22.44x	20.23x	17%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY -0.1pp QoQ	+0.2pp	0.2%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	8.0% +3.1pp YoY -0.4pp QoQ	+1.6pp	6.4%	14.3%	11.6%	49%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	1.4%	1.6%	1.7%	36%
Net Income ($, YTD)	$508,000 +75.8% YoY — QoQ	+$190K	$317,817	$3.7M	$40.4M	75%

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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 536 peers in under $100M

Top Strengths (4 metrics)

Total Loans

size

Value: $61.80M

Peer Median: $34.89M

#64 of 536 Top 11.8% in under $100M

Total Assets

size

Value: $88.53M

Peer Median: $62.44M

#83 of 536 Top 15.3% in under $100M

120

Efficiency Ratio

profitability

Value: 57.47%

Peer Median: 119.40%

#120 of 536 Top 22.2% in under $100M

128

Non-Interest-Bearing Deposit Share

funding

Value: 30.72%

Peer Median: 23.49%

#128 of 536 Top 23.7% in under $100M

Top Weaknesses (3 metrics)

464

Nonperforming Asset Ratio

credit_quality

Value: 1.69%

Peer Median: 0.84%

#464 of 536 Bottom 13.6% in under $100M

460

Loan-to-Deposit Ratio

liquidity

Value: 92.99%

Peer Median: 74.21%

#460 of 536 Bottom 14.4% in under $100M

434

Delinquency Rate

credit_quality

Value: 2.42%

Peer Median: 1.48%

#434 of 517 Bottom 16.2% in under $100M