Total Assets
$21M
Total balance-sheet footings
FDIC Cert #12425 · Enterprise, Kansas · Est. 1894
The Dickinson County Bank - FDIC Bank Health Profile
A community-scale look at The Dickinson County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $21M
- Total assets
- B
- Health grade · Good
- 1.79%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
The Dickinson County Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 13.91% Tier 1, profitable at 1.79% ROA, efficient (58% cost ratio).
- #4,277
- largest of 4,313 FDIC banks by assets
- 1st
- percentile by asset size, nationally
- 13.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Dickinson County Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Dickinson County Bank's composite health score
Tier 1 Capital Ratio (13.91%) 35/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (30.73%) 4/20
Efficiency Ratio (58.28%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$17M
Customer-funded liabilities
Net Loans
$14M
Outstanding loan book
Net Income
$373K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Dickinson County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Dickinson County Bank's score of 76/100 falls in the highlighted band.
The Dickinson County Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Dickinson County Bank's $21M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.91%
Texas Ratio
30.73%
Equity Capital
$3M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
13.52%
Efficiency Ratio
58.28%
What the numbers say about The Dickinson County Bank
The Dickinson County Bank is an FDIC-insured institution (Certificate #12425) headquartered in Enterprise, Kansas, established in 1894. It holds $21M in total assets - 4,277th of 4,313 FDIC-insured banks, $17M in customer deposits, and $14M in net loans. Its capital position: a Tier 1 ratio of 13.91%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 30.73% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Dickinson County Bank is a community-scale institution -- 183rd of 188 FDIC-insured banks headquartered in Kansas by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$1M
Interest Income
$33K
Non-Interest Income
$528K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Dickinson County Bank reports a Texas Ratio of 30.73% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
30.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Dickinson County Bank (FDIC Cert #12425) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is The Dickinson County Bank's health grade?▼
The Dickinson County Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Dickinson County Bank?▼
The Dickinson County Bank holds $21M in total assets and $17M in deposits, ranking 4,277th of 4,313 FDIC-insured banks by asset size. It is headquartered in Enterprise, Kansas.
Is my money safe at The Dickinson County Bank?▼
Yes, deposits at The Dickinson County Bank (Certificate #12425) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Dickinson County Bank's Tier 1 Capital Ratio?▼
The Dickinson County Bank has a Tier 1 Capital Ratio of 13.91%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Dickinson County Bank?▼
The Dickinson County Bank has a Texas Ratio of 30.73%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Dickinson County Bank?▼
The Dickinson County Bank has an Efficiency Ratio of 58.28%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Dickinson County Bank's profile as a depositor or analyst.
- The Dickinson County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Dickinson County Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.