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.
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