Farmers and Drovers Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 1.32 percentage points in Q2 2026, from 93.03% to 91.72%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers and Drovers Bank is 34th of 182 on loan-to-deposit ratio, 91.72% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers and Drovers Bank sits 10.77 points higher, at 91.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.3M |
| Net loans and leases | $127.8M |
| Loans held for sale | $0 |
| Loans to total assets | 58.25% |
| Loan-to-deposit ratio | 91.72% |
| Net loans to equity capital | 2.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.15% |
| Multifamily (5+ residential) | 0.42% |
| Commercial and industrial | 2.95% |
| Consumer | 14.69% |
| Credit cards | 0.00% |
| Farm | 18.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.87% |
| Construction concentration (Tier 1 capital + allowance) | 2.26% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.62% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $103.8M | $132.1M | 9.80% | 5.49% | 20.43% |
| Q4 2023 | $116.7M | $135.1M | 8.46% | 5.42% | 19.03% |
| Q1 2024 | $120.4M | $132.8M | 8.00% | 4.92% | 18.13% |
| Q2 2024 | $121.4M | $131.7M | 7.77% | 4.24% | 18.07% |
| Q3 2024 | $109.4M | $137.8M | 8.75% | 4.68% | 20.63% |
| Q4 2024 | $122.1M | $142.3M | 7.67% | 3.93% | 17.80% |
| Q1 2025 | $119.7M | $141.2M | 8.16% | 3.84% | 17.93% |
| Q2 2025 | $119.4M | $135.8M | 8.03% | 3.51% | 17.55% |
| Q3 2025 | $111.8M | $135.4M | 8.77% | 4.22% | 18.11% |
| Q4 2025 | $126.6M | $142.6M | 7.63% | 3.62% | 15.80% |
| Q1 2026 | $131.1M | $141.0M | 7.36% | 3.34% | 14.65% |
| Q2 2026 | $129.3M | $141.0M | 7.15% | 2.95% | 14.69% |
Farmers and Drovers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Drovers Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Drovers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12602) · FFIEC NIC profile (RSSD 788559)