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Farmers And Drovers Bank
Council Grove, KS · FDIC Certificate #12602 · Chartered 03/1
Total assets
$221.92M
Total deposits
$140.96M
Total equity
$53.04M
Net loans
$127.84M
Branches (offices)
3
Net income (YTD)
$1.57M
Rank: #2,854 of 4,213 U.S. banks by assets · #86 of 183 in Kansas. Assets changed 6.0% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 5.94% |
| Net interest margin (YTD) | 3.66% |
| Equity to assets | 23.90% |
| Tier 1 leverage ratio | 25.39% |
| Uninsured deposits (share of deposits) | 19.2% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 90.7% |
| Real estate loans (share of loans) | 54.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $69.67M | 54.5% | |
| Commercial & industrial | $3.81M | 3.0% | |
| Consumer / individual | $18.99M | 14.9% | |
| Construction & development | $1.34M | 1.1% | |
| Agricultural | $35.15M | 27.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $206.56M | $139.14M | $1.07M | $45.71M |
| Jun 2023 | $209.51M | $128.55M | $932.00K | $45.27M |
| Jun 2024 | $208.46M | $131.74M | $910.00K | $47.35M |
| Jun 2025 | $209.33M | $135.84M | $1.13M | $49.77M |
| Jun 2026 | $221.92M | $140.96M | $1.57M | $53.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $140.96M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $140.96M.
Similar-sized banks
Citizens Community Bank ($221.94M) · Ipava State Bank ($221.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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