HOWARD STATE BANK

HOWARD, KS | Micro | Est. Aug. 30, 1877, midnight | FDIC #4693 | RSSD #998358 | FDIC
Latest Report: 2025-12-31

HOWARD STATE BANK is amn micro FDIC-insured commercial bank headquartered in HOWARD, KS, established in Aug. 30, 1877, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $79M. Profitability stands at 1.64% ROA and 20.14% ROE, with a net interest margin of 4.80%. The bank's CET1 capital ratio is 14.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 3.49%. FDIC Certificate #4693.

Assets

$86M

Deposits

$79M

Loans

$51M

Equity

$7M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 20.14%
Net Interest Margin (NIM) 4.80%
Yield on Assets 5.74%
Cost of Funds 1.13%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio -0.13%
Texas Ratio 3.49%
NPA Ratio 0.30%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 14.33%
Tier 1 Capital 14.33%
Total Capital Ratio 15.39%
Leverage Ratio 11.54%
Loan-to-Deposit 64.67%

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