Headquartered in Council Grove, Kansas, Farmers and Drovers Bank is a state-chartered bank with $221.9M in total assets and $141.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1882.
Farmers and Drovers Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 24th. Capital cushion contributes the most (100/100, 25.39%); funding & liquidity contributes the least (65/100, 91% loans-to-deposits, 19% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (85 → 87), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 82 |
| Q2 2025 | 85 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 25.11% |
| Q3 2024 | 26.06% |
| Q4 2024 | 26.16% |
| Q1 2025 | 25.41% |
| Q2 2025 | 25.44% |
| Q3 2025 | 26.29% |
| Q4 2025 | 26.11% |
| Q1 2026 | 25.14% |
| Q2 2026 | 25.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.93% |
| Q4 2024 | 1.19% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $221.9M | 25.39% | 0.37% | 1.41% | 90.7% |
| Q1 2026 | 86 | $223.5M | 25.14% | 0.49% | 1.42% | 92.0% |
| Q4 2025 | 85 | $219.7M | 26.11% | 0.57% | 1.36% | 87.7% |
| Q3 2025 | 85 | $203.1M | 26.29% | 0.48% | 1.17% | 81.5% |
| Q2 2025 | 85 | $209.3M | 25.44% | 0.32% | 1.08% | 86.8% |
| Q1 2025 | 82 | $208.0M | 25.41% | 0.52% | 0.96% | 83.7% |
| Q4 2024 | 84 | $209.8M | 26.16% | 0.44% | 1.19% | 84.8% |
| Q3 2024 | 83 | $199.9M | 26.06% | 0.47% | 0.93% | 78.4% |
| Q2 2024 | 84 | $208.5M | 25.11% | 0.13% | 0.88% | 91.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carson BankBank Mulvane, KS | 70 out of 100, Strong | $219.9M | 8.3% | 0.02% | vs |
| The First Security BankBank Overbrook, KS | 56 out of 100, Moderate | $225.6M | 8.0% | 2.00% | vs |
| The Stockgrowers State Bank of Ashland, KansasBank Ashland, KS | 89 out of 100, Very strong | $227.1M | 14.1% | 0.00% | vs |
| The Citizens National BankBank Greenleaf, KS | 72 out of 100, Strong | $229.0M | 8.7% | 0.00% | vs |
| TriCentury BankBank De Soto, KS | 77 out of 100, Strong | $213.8M | 10.8% | 0.00% | vs |
| The Lyon County State BankBank Emporia, KS | 77 out of 100, Strong | $212.5M | 9.6% | 0.20% | vs |
Deposit insurance
Is my money safe at Farmers and Drovers Bank?
Yes. Farmers and Drovers Bank is an FDIC-insured institution (FDIC certificate #12602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.2% of deposits ($27.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 25.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Farmers and Drovers Bank lists 2 offices in 2 cities. Most locations:
- Alta Vista, KS (1)
- Council Grove, KS (1)
HMDA 2025
Mortgage lending
In 2025, Farmers and Drovers Bank reported 64 home-loan applications under HMDA (LEI 549300VFIO7B8IHC0H05): 54 originated ($9,590,000 total), 2 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Farmers and Drovers Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12602
- RSSD ID
- 788559
- Primary regulator
- FDIC
- Holding company
- Farmers&drovers Financial Corp
- Established
- March 16, 1882
- Headquarters
- 201 W Main St, Council Grove, KS 66846
- Website
- www.farmersanddrovers.com
- Employees
- 22
Quick answers
Farmers and Drovers Bank: common questions
Is Farmers and Drovers Bank FDIC insured?
Yes. Farmers and Drovers Bank is an FDIC-insured institution (FDIC certificate #12602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers and Drovers Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers and Drovers Bank ever failed?
There is no failure record for FDIC certificate #12602 in the FDIC failed bank list.
How many branches does Farmers and Drovers Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Council Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
| Credit Union of EmporiaCredit union Emporia, KS | 90 out of 100, Very strong | $42.1M | 15.3% | 0.56% | vs |
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| The Lyon County State BankBank Emporia, KS | 77 out of 100, Strong | $212.5M | 9.6% | 0.20% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| Emporia State Federal Credit UnionCredit union Emporia, KS | 75 out of 100, Strong | $146.5M | 10.7% | 0.49% | vs |