Farmers and Drovers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 64.44 percentage points in Q2 2026, from 210.47% to 274.90%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers and Drovers Bank is 106th of 182 on return on assets, 1.37% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers and Drovers Bank sits 0.12 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.39% |
| Equity capital to assets | 23.90% |
| Tangible equity to tangible assets | 23.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.96% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 274.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 5.93% |
| Net interest margin | 3.51% |
| Efficiency ratio | 51.29% |
| Yield on earning assets | 5.06% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.72% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 63.52% |
| Securities to assets | 36.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 25.48% | 0.83% | 2.65% | 0.17% | 0.00% |
| Q4 2023 | 25.28% | -0.52% | 2.69% | 0.18% | -0.04% |
| Q1 2024 | 25.24% | 0.84% | 2.84% | 0.17% | 0.20% |
| Q2 2024 | 25.11% | 0.84% | 2.85% | 0.13% | -0.00% |
| Q3 2024 | 26.06% | 0.98% | 2.93% | 0.47% | 0.02% |
| Q4 2024 | 26.16% | 1.91% | 3.10% | 0.48% | 0.02% |
| Q1 2025 | 25.41% | 0.93% | 3.17% | 0.56% | 0.02% |
| Q2 2025 | 25.44% | 1.16% | 3.29% | 0.36% | 0.03% |
| Q3 2025 | 26.29% | 1.29% | 3.31% | 0.52% | -0.01% |
| Q4 2025 | 26.11% | 1.90% | 3.47% | 0.61% | 0.00% |
| Q1 2026 | 25.14% | 1.37% | 3.50% | 0.52% | -0.00% |
| Q2 2026 | 25.39% | 1.37% | 3.51% | 0.40% | 0.04% |
Farmers and Drovers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Drovers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)