First Nb of Dighton
Dighton, Kansas · FDIC Cert #4654
First Nb of Dighton is an FDIC-insured bank (Certificate #4654) with $81M in total assets and $63M in total deposits as of the Q2 2024 Call Report. Headquartered in Dighton, Kansas, the bank maintains a Tier 1 capital ratio of 23.14% (Well-Capitalized) and a nonperforming loan ratio of 2.66%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Dighton (FDIC cert 4654) is a community bank — $81M in total assets, $63M in deposits, serving the Dighton, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 23.14% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.66% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 37.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Nb of Dighton carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Dighton
- Total Assets
- $81M
- Total Deposits
- $63M
- Tier 1 Capital Ratio
- 23.14%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.66%
- Liquidity Ratio
- 37.79%
- Return on Assets
- 1.12%
- Headquarters
- Dighton, Kansas
- FDIC Certificate
- #4654
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Dighton holds a Tier 1 capital ratio of 23.14%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Dighton has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Dighton shows strong financial health indicators. With $81M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Dighton Compares
First Nb of Dighton’s Health Score of 80 is 11 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 23.14% Tier 1 capital ratio is 9.1 points above the US banking industry average near 14%. The 2.66% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 921 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Nb of Dighton is 10 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Dighton has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 23.14%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Dighton's Tier 1 capital ratio of 23.14% and nonperforming loan ratio of 2.66% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Dighton is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4654). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Dighton holds $81M in total assets and $63M in total deposits. It is headquartered in Dighton, Kansas (FDIC Certificate #4654).
First Nb of Dighton has a Tier 1 capital ratio of 23.14%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.66%, and the return on assets is 1.12%.
Yes. First Nb of Dighton is FDIC-insured (Certificate #4654). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Dighton's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.