Major Rating Factors:
A current level of 10.2 percent of nonperforming loans to core capital combined with 15.0 percent from a year earlier contributes to the Fair asset quality (3.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.8 and a capital leverage ratio of 16.1. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (23%), comm loans (10%), home mtgs (7%), cash (5%), comm re (4%), consumer loans (3%), other (48%)
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
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