FARMERS AND DROVERS BANK

COUNCIL GROVE, KS | Small | Est. March 16, 1882, midnight | FDIC #12602 | RSSD #788559 | FDIC
Latest Report: 2025-12-31

FARMERS AND DROVERS BANK is asn small FDIC-insured commercial bank headquartered in COUNCIL GROVE, KS, established in March 16, 1882, midnight. As of 2025-12-31, the bank reported total assets of $220M and total deposits of $143M. Profitability stands at 1.96% ROA and 7.98% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 23.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 1.34%. FDIC Certificate #12602.

Assets

$220M

Deposits

$143M

Loans

$127M

Equity

$52M

Profitability

Return on Assets (ROA) 1.96%
Return on Equity (ROE) 7.98%
Net Interest Margin (NIM) 3.77%
Yield on Assets 5.42%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.34%
NPA Ratio 0.33%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 23.87%
Tier 1 Capital 23.87%
Total Capital Ratio 25.07%
Leverage Ratio 26.11%
Loan-to-Deposit 88.74%

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