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Overview / Commentary
201 West Main Street
Council Grove, KS 66846

Farmers and Drovers Bank is headquartered in Council Grove and is the 67th largest bank in the state of Kansas. It is also the 3,043rd largest bank in the nation. It was established in 1882 and as of December of 2013, it had grown to 24 employees at 3 locations. Farmers and Drovers Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Farmers and Drovers Bank had $544,000 in non-current loans and owned real-estate with $45.54 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Drovers Bank a Texas Ratio of 1.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Farmers and Drovers Bank experienced no significant changes from 0.79% as of December 31, 2012 to 1.19% as of December 31, 2013, resulting in a negative change of 50.76%. This indicates that the balance sheet and financial strength for Farmers and Drovers Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Farmers and Drovers Bank has decreased its total deposits by -$3.06 million, resulting in -2.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers and Drovers Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers and Drovers Bank has $200.67 million in assets with $45.54 million in equity, resulting in a capitalization level of 22.69%, which is excellent.

Institution Statistics

FDIC Certificate #12602
Year Established1882
Primary RegulatorFDIC
Assets and Liabilities
Assets$200.67 million
Loans$71.12 million
Deposits$144.66 million
Equity Capital$43.66 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$499,000
Real Estate Owned$45,000
Historic Data - December 2012
Assets$201.19 million
Equity Capital$43.78 million
Loan Loss Allowance$1.90 million
Unbacked Noncurrent Loans$499,000
Real Estate Owned$49,000
Profit Margin - Quarterly
Net Interest Margin2.96%
Return on Assets1.12%
Return on Equity5.05%
Interest Income$6.05 million
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Farmers and Drovers Bank CD Rates

1.50%$5k-72 Month CD Special
1.25%$500-60 Month CD
1.09%$500-60 Month Jump Rate CD
0.85%$500-48 Month CD
0.80%$500-48 Month Jump Rate CD
0.70%$500-36 Month CD
0.65%$500-36 Month Jump Rate CD
0.53%$5k-28 Month CD Special
0.45%$500-24 Month CD
0.43%$500-24 Month Jump Rate CD
0.30%$500-12 Month CD
0.25%$500-12 Month Jump Rate CD
0.21%$500-6 Month CD
0.21%$500-9 Month CD
0.15%$500-3 Month CD
0.12%$2,500-7-89 Day CD

Farmers and Drovers Bank Locations
West Main Branch123 West MainCouncil Grove, KS 66846
Farmers and Drovers Bank201 West Main StreetCouncil Grove, KS 66846
Drive-In Facility426 East Main StreetCouncil Grove, KS 66846