Major Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Fair asset quality (4.0). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Weak (1.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.8 and a capital leverage ratio of 17.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Securities (27%), comm loans (8%), home mtgs (7%), cash (5%), consumer loans (3%), comm re (3%), other (47%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Dighton National Bancshares, Inc.
Investment Rating
--
Address
105 East Long Street
Dighton, KS 67839
Dighton, KS 67839
Phone Number
(620) 397-5324
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.