Farmers and Drovers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Drovers Bank of Council Grove, KS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.37% | 1.34% | +0.03% | 57th above |
| ROAE | 5.93% | 13.32% | -7.39% | 17th bottom |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 51.29% | 61.14% | -9.85% | 78th top |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 59th above |
| Yield on Earning Assets | 5.06% | 5.67% | -0.61% | 26th below |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 2.72% | 3.32% | -0.60% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 50th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 274.90% | 1538.97% | -1264.07% | 57th above |
| Texas Ratio | 0.96% | 7.33% | -6.37% | 73rd above |
| Provision / NCO | 0.00% | 1395.94% | -1395.94% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 25.39% | 12.14% | +13.25% | 98th top |
| Equity / Assets | 23.90% | 11.37% | +12.53% | 98th top |
| TCE / Tangible Assets | 23.90% | 11.09% | +12.81% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.72% | 80.63% | +11.09% | 25th below |
| Core Deposit Ratio | 89.16% | 86.86% | +2.30% | 50th above |
| Wholesale Funding Ratio | 11.56% | 5.03% | +6.53% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.02% | 6.85% | -0.83% | 62nd above |
| Loan Growth (Y/Y) | 8.26% | 7.90% | +0.36% | 66th above |
| Deposit Growth (Y/Y) | 3.76% | 6.29% | -2.53% | 48th below |
See Farmers and Drovers Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Drovers Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers and Drovers Bank profile, how to read a UBPR, or how this data updates.