BlastPoint's Banking Scorecard
Farmers and Drovers Bank
Council Grove, KS
3 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +3.8% year over year ($141.0M on the books).
- Delinquency rate 0.37%.
- Return on assets 1.41%.
- Efficiency ratio 51.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Drovers Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 12.60% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.7% in tier
- - Credit Quality Pressure: Bottom 20.3% in tier
- - Credit Risk Growth: Bottom 32.8% in tier
- - Liquidity Strain: Bottom 35.0% in tier
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.9M
+6.0% YoY
-0.7% QoQ
|
-$164.7M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$127.8M
+8.4% YoY
-1.4% QoQ
|
-$130.5M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$141.0M
+3.8% YoY
-0.0% QoQ
|
-$185.8M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.41%
+30.6% YoY
-0.1% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.66%
+7.2% YoY
+0.3% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
51.87%
-11.1% YoY
-0.4% QoQ
|
-12.60% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.37%
+14.8% YoY
-24.5% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
90.70%
+4.4% YoY
-1.4% QoQ
|
+12.75% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
13.84%
-3.7% YoY
-2.0% QoQ
|
-8.19% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.22%
+17.4% YoY
-25.1% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
25.39%
-0.2% YoY
+1.0% QoQ
|
+9.48% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 6.5% in tier |
| Non-Interest Income / Assets ? |
0.11%
-21.1% YoY
+87.5% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
24% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.8%
-0.5pp YoY -0.3pp QoQ |
-8.3pp | 22.1% | 22.3% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.0%
-0.6pp YoY -0.4pp QoQ |
-8.6pp | 11.6% | 12.6% | 12.5% | 10% |
| CRE |
8.7%
-0.4pp YoY -0.3pp QoQ |
-30.8pp | 39.5% | 28.8% | 41.4% | 3% |
| 1-4 Family |
26.9%
-0.7pp YoY +1.0pp QoQ |
-5.7pp | 32.6% | 26.7% | 31.3% | 44% |
| Consumer |
14.9%
-2.9pp YoY 0.0pp QoQ |
+10.7pp | 4.1% | 4.6% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
25.4%
0.0pp YoY +0.3pp QoQ |
+13.2pp | 12.2% | 12.6% | 12.6% | 98% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
-1 (-4.3%) YoY +2 (+10.0%) QoQ |
-37 | 58 | 70 | 482 | 14% |
| Assets per Employee ($) |
$10.1M
+10.8% YoY -9.7% QoQ |
+$2.6M | $7.5M | $7.1M | $8.8M | 86% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 45% |
| Allowance Coverage |
3.00x
-20.2% YoY +33.2% QoQ |
-21.16x | 24.15x | 22.44x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
+1.3pp YoY 0.0pp QoQ |
-6.3pp | 12.2% | 14.3% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.6%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 45% |
| Net Income ($, YTD) |
$1.6M
+38.5% YoY — QoQ |
-$987K | $2.6M | $3.7M | $40.4M | 43% |
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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 (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.