Bank Comparison
Farmers State Bank, the vs Howard State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers State Bank, the | Howard State Bank |
|---|---|---|
| CET1 Ratio | — | 15.90% |
| Tier 1 Capital Ratio | — | 15.90% |
| Total Capital Ratio | — | 17.02% |
| Tier 1 Leverage Ratio | 12.48% | 11.80% |
| Equity / Assets | 10.92% | 9.29% |
Profitability
| Metric | Farmers State Bank, the | Howard State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 2.63% |
| Return on Equity (ROE) | 11.89% | 30.27% |
| Net Interest Margin (NIM) | 3.77% | 4.91% |
| Yield on Earning Assets | 5.47% | 5.74% |
| Cost of Funds | 1.97% | 0.86% |
Asset quality
| Metric | Farmers State Bank, the | Howard State Bank |
|---|---|---|
| Texas Ratio | 1.10% | 4.75% |
| Non-Performing Loan Ratio | 0.14% | 0.73% |
| Non-Performing Asset Ratio | 0.08% | 0.48% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.01% | 1.28% |
Balance sheet
| Metric | Farmers State Bank, the | Howard State Bank |
|---|---|---|
| Total Assets | $84,550K | $79,373K |
| Total Deposits | $72,999K | $70,840K |
| Total Loans | $50,474K | $52,618K |
| Total Equity | $9,235K | $7,372K |
| Net Income (quarter) | $277 | $535 |
Liquidity & funding
| Metric | Farmers State Bank, the | Howard State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.14% | 74.28% |
| Core Deposit Ratio | 77.64% | 97.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank, the | Howard State Bank |
|---|---|---|
| Headquarters City | HOLTON | HOWARD |
| Headquarters State | KS | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 12 | 18 |
| Established | Oct. 30, 1900, midnight | Aug. 30, 1877, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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