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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

$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

4.38%Q2 ’244.62%Q2 ’254.92%Q2 ’26+16%+7%

Non-interest income vs. expense

1.90%Q2 ’241.99%Q2 ’251.87%Q2 ’26+3%-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 20 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.37% of loans (+5 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

1.41%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+22 bps YoY

Efficiency Ratio (quarter, annualized)

51.65%-574 bps YoY

Tier 1 Leverage Ratio

25.39%-5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.33%1.96%1.42%1.41%+20 bps
Return on Equity5.10%5.42%7.98%5.96%5.93%+83 bps
Net Interest Margin3.19%3.18%3.38%3.39%3.41%+22 bps
Efficiency Ratio57.38%53.26%61.02%52.10%51.65%-574 bps
Non-Interest Burden1.71%1.52%1.93%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 / Loans0.03%-0.01%0.00%0.00%0.04%+1 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