Side-by-side · Q2 2026 data
Farmers and Drovers Bank vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | Farmers and Drovers Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 87 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 77 | 98 (stronger) |
| Funding & liquidity | 65 (stronger) | 63 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 91st | 54th |
| Total assets | $221.9M | $96.1M |
| Deposits / shares | $141.0M | $84.3M |
| Capital ratio | 25.39% (stronger) | 8.96% |
| Problem loans | 0.37% | 0.11% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.41% | 1.95% (stronger) |
| Loans ÷ deposits | 90.7% (stronger) | 96.8% |
| Uninsured deposits | 19.2% | 15.5% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Farmers and Drovers Bank has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Drovers Bank leads on 3 and The Citizens State Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Council Grove, KS