Question 1

What is First National Bank of Dighton?

Accepted Answer

First National Bank of Dighton is a community-focused commercial bank serving rural western Kansas with an agricultural specialization. Operating as a national bank and Federal Reserve member, the institution has approximately $83.5 million in assets and maintains a single branch location in Dighton, Kansas.

The bank operates as a subsidiary of Dighton National Bancshares, Inc. and is regulated by the Office of the Comptroller of the Currency (OCC). With strong capitalization ratios and over a century of community service, the bank focuses primarily on agricultural lending, supporting the wheat and cattle operations that define Lane County's economy.

Question 2

When was First National Bank of Dighton founded?

Accepted Answer

First National Bank of Dighton was established on May 2, 1888, making it one of Kansas's oldest continuously operating banks. The bank was founded during the pioneering era when Dighton was transforming from a prairie settlement into an agricultural center.

For over 135 years, the institution has maintained its original name and mission of serving the local farming community. In March 1990, the bank relocated its main office to its current location at 105 East Long Street in Dighton.

Question 3

Where is First National Bank of Dighton headquartered?

Accepted Answer

The bank is headquartered in Dighton, Kansas, the county seat of Lane County in western Kansas. The main office is located at 105 East Long Street, Dighton, KS 67839.

Dighton is a small rural community with a population of approximately 1,000 residents, situated in one of Kansas's most agricultural regions.

Question 4

Where does First National Bank of Dighton operate?

Accepted Answer

First National Bank of Dighton operates exclusively in Lane County, Kansas, with a single branch location in Dighton. The bank does not maintain offices outside of Lane County, focusing its services on the local community and surrounding rural areas.

Lane County is located in western Kansas, bordered by Gove County to the north, Ness County to the east, Finney County to the south, and Scott County to the west. The region is characterized by extensive wheat fields and cattle ranching operations.

Question 5

What services does First National Bank of Dighton offer?

Accepted Answer

First National Bank of Dighton provides traditional community banking services with a focus on agricultural finance:

Core Banking Services: Checking accounts, savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). The bank also offers safe deposit boxes for secure storage.

Lending Services: The bank specializes in farm loans, which comprise approximately 28% of its loan portfolio—significantly higher than the average Kansas bank. Additional lending includes 1-4 family residential mortgages, small business loans, commercial and industrial loans, commercial real estate, consumer auto loans, and construction loans.

Digital Banking: Online banking platform and mobile banking capabilities, allowing customers to manage accounts, check balances, review statements, and conduct transactions remotely. The bank offers customizable account alerts via email and text.

Branch Services: Full-service lobby banking Monday through Friday from 9:00 AM to 3:00 PM, with drive-up services available Monday through Thursday from 9:00 AM to 3:00 PM and Friday from 9:00 AM to 5:30 PM.

Question 6

What makes First National Bank of Dighton unique?

Accepted Answer

Agricultural Specialization: First National Bank of Dighton maintains a distinctive focus on agricultural lending, with farm loans representing nearly one-third of its loan portfolio. This specialization reflects the bank's deep understanding of the wheat and cattle operations that drive Lane County's economy.

Exceptional Financial Strength: The bank demonstrates strong financial performance with a capitalization ratio of 14.67%, well above the U.S. bank average of 11.41%. Its Tier 1 Leverage Ratio stands at 16.51%, and it maintains a conservative Texas Ratio of just 15%, indicating minimal credit risk.

Longevity and Stability: With 135+ years of continuous operation under the same name, the bank represents institutional stability rare in modern banking. The institution has maintained its independence as a locally-owned community bank while many peers have been acquired.

Community-Centered Approach: Operating with approximately 10 employees in a single location, the bank emphasizes personal relationships and local decision-making. As stated on their website, "First National Bank is not just a bank, we are your neighbors and friends."

Question 7

What type of financial institution is First National Bank of Dighton?

Accepted Answer

First National Bank of Dighton is classified as a Commercial Bank with Agricultural Specialization. Specifically, it operates under a national (federal) charter as a member of the Federal Reserve System, supervised by the Office of the Comptroller of the Currency (OCC).

The bank's agricultural specialization designation reflects its concentrated focus on farm lending and rural banking services. As a national bank, it operates under federal banking regulations while maintaining the flexibility to serve its local agricultural community's unique financial needs.

The institution functions as a traditional community bank, emphasizing relationship banking and local knowledge over expansion and scale.

Question 8

What is First National Bank of Dighton's financial performance?

Accepted Answer

As of June 30, 2025, First National Bank of Dighton demonstrates solid financial metrics:

Asset Quality: Total assets of $83.5 million, with net loans and leases of $56.7 million. The bank maintains $617,000 in loan loss reserves and reported only $7,000 in net charge-offs for the most recent period.

Deposit Base: Total deposits of $61.1 million, with approximately 68.85% estimated to be FDIC-insured. All deposits are held in domestic offices.

Profitability: Net income of $289,000 year-to-date, with a return on assets (ROA) of 0.57% and return on equity (ROE) of 3.78%. Total interest income reached $1.74 million against interest expenses of $460,000.

Capital Strength: Total bank equity capital of $12.25 million, representing strong capitalization. The bank's regulatory capital ratios significantly exceed minimum requirements, with a Total Capital Ratio of 21.67%.

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