Dickinson County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 7.33 percentage points in Q2 2026, from 82.68% to 75.35%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Dickinson County Bank is 40th of 182 on return on assets, 1.81% as of Q2 2026, above the middle of the field. Dickinson County Bank's return on assets of 1.81% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.71% |
| Equity capital to assets | 13.10% |
| Tangible equity to tangible assets | 13.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.91% |
| Non-performing assets ratio | 1.37% |
| Net charge-off ratio | -0.31% |
| Texas ratio | 10.25% |
| Allowance for credit losses to loans | 2.20% |
| Reserve coverage of non-performing loans | 115.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 13.42% |
| Net interest margin | 4.08% |
| Efficiency ratio | 56.78% |
| Yield on earning assets | 6.53% |
| Cost of funds | 2.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.35% |
| Core deposits to total deposits | 89.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.22% |
| Securities to assets | 2.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.68% | 2.04% | 4.26% | 0.00% | 0.00% |
| Q4 2023 | 12.13% | 1.74% | 4.41% | 0.00% | -0.18% |
| Q1 2024 | 12.32% | 2.11% | 4.20% | 0.00% | 0.00% |
| Q2 2024 | 12.16% | 2.08% | 4.13% | 0.00% | 0.00% |
| Q3 2024 | 12.06% | 2.18% | 4.27% | 0.00% | 0.22% |
| Q4 2024 | 12.33% | 0.33% | 3.98% | 0.00% | 0.18% |
| Q1 2025 | 12.80% | 1.78% | 3.98% | 0.00% | -0.03% |
| Q2 2025 | 13.44% | 1.78% | 4.10% | 1.67% | 0.24% |
| Q3 2025 | 13.48% | 2.33% | 4.41% | 1.58% | 0.50% |
| Q4 2025 | 13.91% | 1.25% | 4.58% | 1.48% | 0.50% |
| Q1 2026 | 14.00% | 1.82% | 4.25% | 1.98% | -0.03% |
| Q2 2026 | 13.71% | 1.81% | 4.08% | 1.91% | -0.31% |
Dickinson County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dickinson County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dickinson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12425) · FFIEC NIC profile (RSSD 981350)