Farmers and Drovers Bank
Council Grove, KS · Cert 12602 · Peer group: banks under $1B in assets in KS (n=98) · 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 98).
- Widest gap: return on equity trails 95% of banks under $1B in assets in KS (rank 93 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.41%
Rank 36 of 98
Net Interest Margin
3.40%
Rank 64 of 98
Efficiency Ratio
51.87%
Rank 25 of 98
Equity / Assets
23.90%
Rank 3 of 98
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 76% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 1.03% | 1.24% | 1.54% | Beats 63% | 36 / 98 | | |
| Return on Equity | 5.91% | 8.85% | 11.58% | 14.73% | Beats 5% | 93 / 98 | | |
| Net Interest Margin | 3.40% | 3.24% | 3.62% | 3.91% | Beats 35% | 64 / 98 | | |
| Efficiency Ratio | 51.87% | 51.87% | 58.88% | 64.74% | Beats 76% | 25 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.01% | 0.33% | 1.05% | Beats 46% | 54 / 98 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 34% | 66 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 25.39% | 11.81% | 13.71% | 17.33% | Beats 90% | 10 / 98 | | |
| Total Risk-Based Capital Ratio | 25.39% | 11.81% | 14.13% | 17.45% | Beats 90% | 10 / 98 | | |
| Equity / Assets | 23.90% | 8.60% | 11.34% | 13.10% | Beats 97% | 3 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.72% | 57.09% | 69.84% | 82.47% | 90th pctl | 10 / 98 | | |
| Loans / Assets | 58.25% | 49.34% | 58.31% | 68.94% | 49th pctl | 50 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |