Dickinson County Bank
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Data as of · sourced from FFIEC call reports. How we update
Dickinson County Bank is an FDIC-insured commercial bank headquartered in Enterprise, KS, established in 1894 (FDIC certificate 12425), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $23.4M, up 10.5% from Q2 2025, the 179th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12425
- Headquarters
- Enterprise, KS
- Established
- 1894
- Total assets, Q2 2026
- $23.4M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 13.71%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101104630
- Latest call report
- Q2 2026, FFIEC 051 · Dickinson County Bank call report
- Asset rank in state
- 179th of 182 in Kansas
Dickinson County Bank pays more for its money than most banks of its size. Based in Enterprise, Kansas, it had $23 million in assets at June 30, 2026, up 10.5% from a year earlier. It pays an average of 2.88% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also grew deposits 11.6% over the year, 4.7 times the median of 2.5% for banks its size.
The commercial and industrial book ($3.1 million) is worsening: 4.76% of it is past due or on nonaccrual, up from 0.29% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.09% of loans from 1.83% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 7.4 times the median of 1.4% for banks its size.
As of June 30, 2026, Dickinson County Bank reported a return on assets of 1.81%, a nonperforming-loan ratio of 2.09% and a Texas ratio of 10.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Dickinson County Bank is the 179th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.3% to $23.4M, loans rose 2.8% and deposits rose 12.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.0% of total loans, followed by commercial and industrial loans at 21.4%. The FDIC Summary of Deposits lists a single office for it, in Enterprise, KS. By the capital ratios in its Q2 2026 call report, Dickinson County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Factory, Enterprise, KS 67441
- County
- Dickinson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 2, 1894
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $19.4M
- Allowance for credit losses
- $323K
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $22.3M
- Average total loans
- $14.3M
- Average interest-bearing deposits
- $16.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12425
- Fed RSSD
- 981350
- Website
- www.dcbonline.net →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Dickinson County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Dickinson County Bank's total assets moved between a low of $18.8M (Q4 2023) and a high of $23.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$23.4M total assets against $21.1M; $20.3M total liabilities against $18.4M.
$14.3M net loans and leases against $12.4M; $19.4M total deposits against $17.4M.
$508K securities against $570K; $8.0M cash and balances due against $7.7M.
$363K total interest income against $333K; $136K total interest expense against $128K.
$227K net interest income against $205K.
$9K total noninterest income against $7K; $134K total noninterest expense against $119K.
$0 provision for credit losses against $0.
$101K net income against $91K.
1.81% return on assets against 1.78%; 4.08% net interest margin against 4.10%.
13.71% tier 1 leverage ratio against 13.44%.
Inside the full Dickinson County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.33% (Q4 2024) to 2.33% (Q3 2025) and its net interest margin ran from 3.98% (Q4 2024) to 4.58% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.71% | 1.81% | 2.09% | 10.25% | 4.08% |
| Q1 2026 | 14.00% | 1.82% | 1.98% | 9.83% | 4.25% |
| Q4 2025 | 13.91% | 1.25% | 7.22% | 30.73% | 4.58% |
| Q3 2025 | 13.48% | 2.33% | 1.73% | 7.05% | 4.41% |
| Q2 2025 | 13.44% | 1.78% | 1.83% | 7.49% | 4.10% |
| Q1 2025 | 12.80% | 1.78% | 0.00% | 0.00% | 3.98% |
| Q4 2024 | 12.33% | 0.33% | 0.00% | 0.00% | 3.98% |
| Q3 2024 | 12.06% | 2.18% | 0.46% | 2.12% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Dickinson County Bank | Enterprise , KS | 67441 | $19.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 219 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dickinson County Bank
What are Dickinson County Bank's total assets?
As of the Q2 2026 filing, Dickinson County Bank reported total assets of $23.4 million in its FFIEC call report.
Where is Dickinson County Bank headquartered?
It is headquartered in Enterprise, KS, United States.
When was Dickinson County Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Dickinson County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12425). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dickinson County Bank?
Dickinson County Bank's primary federal regulator is the FDIC.
How many branches does Dickinson County Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dickinson County Bank's Texas Ratio?
Its Texas Ratio is 10.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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