BanksHOWARD STATE BANK

HOWARD STATE BANK

HOWARD, KSMicroEst. Aug. 30, 1877, midnightFDIC #4693RSSD #998358FDIC
Latest · 2025-12-31

HOWARD STATE BANK is an 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%. CET1 capital ratio: 14.33%, well above regulatory minimums. NPL ratio: 0.51% · Texas Ratio: 3.49%. Operates 4 domestic branches.

Assets
$86M
Deposits
$79M
Loans
$51M
Equity
$7M

Profitability

Return on Assets (ROA)1.64%
Return on Equity (ROE)20.14%
Net Interest Margin4.80%
Yield on Assets5.74%
Cost of Funds0.94%

Asset Quality

NPL Ratio0.51%
Net Charge-Off Ratio-0.13%
Texas Ratio3.49%
NPA Ratio0.30%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio14.33%
Tier 1 Capital14.33%
Total Capital Ratio15.39%
Leverage Ratio11.54%
Loan-to-Deposit64.67%

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