Council Grove, KS · Cert 12602 · Farmers&Drovers Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 0.2% share · #29 of 30 inst. · $0.0B of $7.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.19% | 0.96% | 1.08% | 1.17% | 1.36% | 1.42% | 1.41% | +33 bps | |
| Return on Equity | 3.98% | 5.10% | 4.10% | 4.60% | 4.87% | 5.67% | 5.96% | 5.94% | +134 bps | |
| Net Interest Margin | 2.83% | 2.85% | 3.07% | 3.12% | 3.20% | 3.19% | 3.39% | 3.40% | +28 bps | |
| Efficiency Ratio | 62.80% | 62.73% | 59.33% | 58.33% | 56.62% | 57.79% | 52.10% | 51.87% | -646 bps | |
| Non-Interest Burden | 1.66% | 1.67% | 1.71% | 1.70% | 1.67% | 1.71% | 1.65% | 1.66% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 1.59% | 0.97% | 0.42% | 1.59% | 4.71% | 7.47% | 6.02% | +560 bps | |
| Loan Growth (YoY) | 5.36% | 4.57% | -0.63% | -1.60% | 2.22% | 3.68% | 9.59% | 8.26% | +986 bps | |
| Deposit Growth (YoY) | 4.33% | 5.34% | 6.34% | 3.12% | -1.75% | 0.24% | -0.15% | 3.76% | +65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.44% | 0.52% | 0.32% | 0.48% | 0.57% | 0.49% | 0.37% | +5 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.25% | 1.11% | 1.22% | 1.21% | 1.30% | 1.14% | 1.10% | 1.11% | -10 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.5x | 2.3x | 3.8x | 2.7x | 2.0x | 2.2x | 3.0x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 26.06% | 26.16% | 25.41% | 25.44% | 26.29% | 26.11% | 25.14% | 25.39% | -5 bps | |
| Total Risk-Based Capital | 26.06% | 26.16% | 25.41% | 25.44% | 26.29% | 26.11% | 25.14% | 25.39% | -5 bps | |
| Equity / Assets | 24.86% | 23.24% | 23.63% | 23.77% | 25.21% | 23.87% | 23.62% | 23.90% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.34% | 85.79% | 84.77% | 87.91% | 82.55% | 88.74% | 93.03% | 91.72% | +381 bps | |
| Liquid Assets / Assets | 1.02% | 1.07% | 1.10% | 0.92% | 0.86% | 1.26% | 1.01% | 0.89% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 19.17% | 19.21% | 20.41% | n/a | n/a | |