Farmers and Drovers Bank
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Drovers Bank is an FDIC-insured commercial bank headquartered in Council Grove, KS, established in 1882 (FDIC certificate 12602), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $221.9M, up 6.0% from Q2 2025, the 86th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12602
- Headquarters
- Council Grove, KS
- Established
- 1882
- Total assets, Q2 2026
- $221.9M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 25.39%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101102166
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Drovers Bank call report
- Holding company
- FARMERS AND DROVERS FINANCIAL CORP
- Asset rank in state
- 86th of 182 in Kansas
Farmers and Drovers Bank carries far more capital than most banks of its size. The Council Grove, Kansas bank had $222 million in assets at June 30, 2026, up 6.0% from a year earlier. It funds 25.39% of its assets with Tier 1 capital, 2.3 times the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 6% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 24% from a year earlier, to $784,000. Over the same year, loans grew 8.3% and deposits grew 3.8%. Profitability lags: it returns 5.9% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Farmers and Drovers Bank reported a return on assets of 1.37%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 0.88%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Farmers and Drovers Bank is the 86th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $221.9M, loans fell 1.4% and deposits were flat. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 27.2% of total loans, ahead of 1-4 family residential loans at 26.6%. Its 3 offices in the FDIC Summary of Deposits are in Council Grove, KS and Alta Vista, KS; its Council Grove 2 offices book 88% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers and Drovers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Main St, Council Grove, KS 66846
- County
- Morris
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- March 16, 1882
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $141.0M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $228.3M
- Average total loans
- $129.1M
- Average interest-bearing deposits
- $120.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12602
- Fed RSSD
- 788559
- Website
- www.farmersanddrovers.com →
- Parent Holding Company
- FARMERS AND DROVERS FINANCIAL CORP (RSSD 3566749)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers and Drovers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers and Drovers Bank's total assets moved between a low of $194.4M (Q3 2023) and a high of $223.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$221.9M total assets against $209.3M; $168.9M total liabilities against $159.6M.
$127.8M net loans and leases against $118.0M; $141.0M total deposits against $135.8M.
$81.3M securities against $79.6M; $4.8M cash and balances due against $4.5M.
$2.8M total interest income against $2.5M; $864K total interest expense against $782K.
$1.9M net interest income against $1.7M.
$118K total noninterest income against $158K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$784K net income against $630K.
1.37% return on assets against 1.16%; 3.51% net interest margin against 3.29%.
25.39% tier 1 leverage ratio against 25.44%.
Inside the full Farmers and Drovers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers and Drovers Bank rankings
Its closest position to the top of a national ranking is 869 of 3,606, for efficiency ratio; its furthest is 2,741 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2025) to 1.91% (Q4 2024) and its net interest margin ran from 2.93% (Q3 2024) to 3.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.39% | 1.37% | 0.37% | 0.88% | 3.51% |
| Q1 2026 | 25.14% | 1.37% | 0.49% | 1.19% | 3.50% |
| Q4 2025 | 26.11% | 1.90% | 0.57% | 1.34% | 3.47% |
| Q3 2025 | 26.29% | 1.29% | 0.48% | 1.01% | 3.31% |
| Q2 2025 | 25.44% | 1.16% | 0.32% | 0.75% | 3.29% |
| Q1 2025 | 25.41% | 0.93% | 0.52% | 1.24% | 3.17% |
| Q4 2024 | 26.16% | 1.91% | 0.44% | 1.07% | 3.10% |
| Q3 2024 | 26.06% | 0.98% | 0.47% | 1.01% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Drovers Bank (main office) | Council Grove , KS | 66846 | $124.6M |
| Alta Vista Branch | Alta Vista , KS | 66834 | $16.3M |
| Drive-In Facility | Council Grove , KS | 66846 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 3, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 3, 2016 | Structure Change | Acquired The Alta Vista State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 132 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 54 loans originated, $9.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $468K approved, $468K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers and Drovers Bank
What are Farmers and Drovers Bank's total assets?
As of the Q2 2026 filing, Farmers and Drovers Bank reported total assets of $221.9 million in its FFIEC call report.
Where is Farmers and Drovers Bank headquartered?
It is headquartered in Council Grove, KS, United States.
When was Farmers and Drovers Bank founded?
It was established in 1882, per the FDIC institution directory.
Is Farmers and Drovers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Drovers Bank?
Farmers and Drovers Bank's primary federal regulator is the FDIC.
How many branches does Farmers and Drovers Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Drovers Bank's Texas Ratio?
Its Texas Ratio is 0.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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