BlastPoint's Banking Scorecard
Farmers and Drovers Bank
Council Grove, KS
3 branches across KS
Farmers and Drovers Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Efficiency Ratio 13.19% below tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.2% in tier
- - Liquidity Strain: Bottom 43.7% in tier
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$223.5M
+7.5% YoY
+1.7% QoQ
|
-$162.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$129.7M
+9.7% YoY
+3.7% QoQ
|
-$126.0M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$141.0M
-0.1% YoY
-1.2% QoQ
|
-$187.0M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.42%
+47.2% YoY
+4.3% QoQ
|
+0.15% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.65%
+9.1% YoY
+5.9% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
52.10%
-12.2% YoY
-9.8% QoQ
|
-13.19% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.50%
-6.4% YoY
-13.9% QoQ
|
-0.39% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
92.00%
+9.9% YoY
+4.9% QoQ
|
+15.37% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
14.13%
-11.7% YoY
-1.1% QoQ
|
-7.89% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.29%
-4.4% YoY
-12.3% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
25.14%
-1.1% YoY
-3.7% QoQ
|
+9.31% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 6.3% in tier |
| Non-Interest Income / Assets ? |
0.06%
-13.3% YoY
-80.5% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
27% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.