Major Rating Factors:
A current level of 11.9 percent of nonperforming loans to core capital combined with 11.4 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.2 and a capital leverage ratio of 16.0. 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 (24%), comm loans (9%), home mtgs (8%), cash (7%), comm re (4%), consumer loans (3%), other (46%)
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.