Farmers and Drovers Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, Farmers and Drovers Bank's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (3.66% vs. 3.93%).
| Measure | Farmers and Drovers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.46% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 3.93% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.87% | 59.30% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $6.9M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.70% | 77.15% | Context |
What it means for lending operations
Its efficiency ratio of 51.87% is better than the 59.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Carson Bank Mulvane, KS · $220M
- The First Security Bank Overbrook, KS · $226M
- The Stockgrowers State Bank of Ashland, Kansas Ashland, KS · $227M
- The Citizens National Bank Greenleaf, KS · $229M
- TriCentury Bank De Soto, KS · $214M
- The Lyon County State Bank Emporia, KS · $212M
Questions about Farmers and Drovers Bank
How big is Farmers and Drovers Bank?
Farmers and Drovers Bank, established in 1882, is headquartered in Council Grove, KS. It reported $222M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Farmers and Drovers Bank's return on assets?
1.41% annualized in Q2 2026, against a 1.46% median for 80 KS banks with half to twice its assets, ahead of 46% of them.
What is Farmers and Drovers Bank's efficiency ratio?
51.87% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 59.30%, and lower is better.
Is Farmers and Drovers Bank growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.