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Farmers and Drovers Bank

Council Grove, KS · Cert 12602 · Farmers&Drovers Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=97). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers and Drovers Bank

Council Grove, KS · Cert 12602 · Farmers&Drovers Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$221.9MAssets
$129.3MLoans
$141.0MDeposits
$53.0MEquity
Loan mix
75%RE $70.0M5%C&I $4.4M21%Consumer $19.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $121.4M14%Noninterest $19.5MQ2 2025Q2 2026

NIM

4.30%Q2 ’244.55%Q2 ’254.90%Q2 ’26+14%+9%

Non-interest income vs. expense

1.90%Q2 ’241.98%Q2 ’251.88%Q2 ’26+2%-3%

Market Position · Topeka, KS · 2026 SOD (annual) · 0.2% share · #29 of 30 inst. · $0.0B of $7.1B

62.1% Morris
8.8% Wabaunsee

Executive Summary

  • Earnings: ROA of 1.41%, up 33 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.37% of loans (+5 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 25.39%, down 5 bps from a year ago.
  • Funding: loans stand at 91.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+28 bps YoY

Efficiency Ratio (YTD, annualized)

51.87%-646 bps YoY

Tier 1 Leverage Ratio

25.39%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.17%1.36%1.42%1.41%+33 bps
Return on Equity4.60%4.87%5.67%5.96%5.94%+134 bps
Net Interest Margin3.12%3.20%3.19%3.39%3.40%+28 bps
Efficiency Ratio58.33%56.62%57.79%52.10%51.87%-646 bps
Non-Interest Burden1.70%1.67%1.71%1.65%1.66%-5 bps
Growth
Asset Growth (YoY)0.42%1.59%4.71%7.47%6.02%+560 bps
Loan Growth (YoY)-1.60%2.22%3.68%9.59%8.26%+986 bps
Deposit Growth (YoY)3.12%-1.75%0.24%-0.15%3.76%+65 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.48%0.57%0.49%0.37%+5 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.02%0 bps
Allowance / Loans1.21%1.30%1.14%1.10%1.11%-10 bps
Allowance Coverage of NPLs3.8x2.7x2.0x2.2x3.0x-0.8x
Capital
Tier 1 Leverage Ratio25.44%26.29%26.11%25.14%25.39%-5 bps
Total Risk-Based Capital25.44%26.29%26.11%25.14%25.39%-5 bps
Equity / Assets23.77%25.21%23.87%23.62%23.90%+13 bps
Liquidity & Funding
Loans / Deposits87.91%82.55%88.74%93.03%91.72%+381 bps
Liquid Assets / Assets0.92%0.86%1.26%1.01%0.89%-3 bps
CRE / Total Capitaln/a19.17%19.21%20.41%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers and Drovers Bank

Council Grove, KS · Cert 12602 · Peer group: banks under $1B in assets in KS (n=97) · Farmers&Drovers Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$221.9MAssets
$129.3MLoans
$141.0MDeposits
$53.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 97% of banks under $1B in assets in KS (rank 3 of 97).
  • Widest gap: return on equity trails 95% of banks under $1B in assets in KS (rank 92 of 97).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.41%

Rank 35 of 97

Net Interest Margin

3.40%

Rank 63 of 97

Efficiency Ratio

51.87%

Rank 24 of 97

Equity / Assets

23.90%

Rank 3 of 97

Non-interest income vs. expense

$0.5M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 76% of banks under $1B in assets in KS
Bank 51.87%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%1.03%1.23%1.54%Beats 64%35 / 97
Return on Equity5.91%8.85%11.53%14.73%Beats 5%92 / 97
Net Interest Margin3.40%3.24%3.62%3.91%Beats 35%63 / 97
Efficiency Ratio51.87%52.19%58.88%64.74%Beats 76%24 / 97
Asset Quality
Nonperforming Loans / Loans0.37%0.01%0.33%1.05%Beats 46%53 / 97
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 34%65 / 97
Capital
Tier 1 Capital Ratio25.39%11.81%13.71%17.33%Beats 90%10 / 97
Total Risk-Based Capital Ratio25.39%11.81%14.13%17.45%Beats 90%10 / 97
Equity / Assets23.90%8.60%11.33%13.10%Beats 97%3 / 97
Liquidity & Funding
Loans / Deposits91.72%57.09%69.84%82.47%90th pctl10 / 97
Loans / Assets58.25%49.34%58.25%68.94%49th pctl49 / 97
Brokered Deposits / Depositsn/aNot reported for this institution