Howard State Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Howard State Bank. The Howard, Kansas bank had $80 million in assets at June 30, 2026, up 7.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.69% of loans from 0.05% a year earlier. It returns 22.3% a year on shareholders' equity, 2.6 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also keeps 5.01 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.88 cents).
Loans are outrunning deposits: over the year loans rose 15.7% and deposits rose 3.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.3 million equal 24% of Tier 1 capital, down from 36% a year earlier. Where it has less room is capital: it holds common equity equal to 15.86% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
As of June 30, 2026, Howard State Bank reported a CET1 capital ratio of 15.86%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 4.62%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 S Wabash, Howard, KS 67349
- County
- Elk
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 30, 1877
- Former names
- The Howard State Bank, Howard, Kansas (1978)
- Offices
- 4 domestic
- Employees (FTE)
- 18
- Domestic deposits
- $71.1M
- Allowance for credit losses
- $678K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $79.9M
- Average total loans
- $53.1M
- Average interest-bearing deposits
- $56.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4693
- Fed RSSD
- 998358
- Website
- www.howardstatebank.com →
- Parent Holding Company
- ELK COUNTY BANCSHARES, INC. (RSSD 1062863)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Howard State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Howard State Bank, freeHoward State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.86% | 2.06% | 0.69% | 4.62% | 5.01% |
| Q1 2026 | 15.90% | 2.63% | 0.73% | 4.75% | 4.91% |
| Q4 2025 | 14.33% | 1.70% | 0.51% | 3.49% | 4.91% |
| Q3 2025 | 14.93% | 1.90% | 0.58% | 3.86% | 4.94% |
| Q2 2025 | 14.92% | 2.29% | 0.05% | 0.35% | 4.90% |
| Q1 2025 | 15.60% | 1.86% | 0.06% | 0.43% | 4.72% |
| Q4 2024 | 14.82% | 1.36% | 0.21% | 1.49% | 4.78% |
| Q3 2024 | 15.64% | 1.70% | 0.20% | 1.30% | 4.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Howard State Bank, Howard, Kansas | Howard , KS | 67349 | $28.4M |
| Sedan Branch | Sedan , KS | 67361 | $19.0M |
| Cedar Vale Branch | Cedar Vale , KS | 67024 | $13.8M |
| Moline Branch | Moline , KS | 67353 | $9.9M |
Regulatory record
What the public regulatory sources show for Howard State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KS, rank 177 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $439K approved, $220K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Howard State Bank
What are Howard State Bank's total assets?
As of the Q2 2026 filing, Howard State Bank reported total assets of $80.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Howard State Bank headquartered?
Howard State Bank is headquartered in Howard, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Howard State Bank founded?
Howard State Bank was established in 1877, per the FDIC institution directory.
Is Howard State Bank FDIC-insured?
Yes. Howard State Bank is an FDIC-insured commercial bank (FDIC Certificate #4693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Howard State Bank?
Howard State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Howard State Bank's CET1 capital ratio?
Howard State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Howard State Bank operate?
Howard State Bank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Howard State Bank's Texas Ratio?
Howard State Bank's Texas Ratio is 4.62% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Howard State Bank previously called?
The charter now named Howard State Bank has also operated as The Howard State Bank, Howard, Kansas (1978), per FDIC structure-change records.
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