Howard State Bank
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Data as of · sourced from FFIEC call reports. How we update
Howard State Bank is an FDIC-insured commercial bank headquartered in Howard, KS, established in 1877 (FDIC certificate 4693), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $80.2M, up 7.7% from Q2 2025, the 150th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4693
- Headquarters
- Howard, KS
- Established
- 1877
- Total assets, Q2 2026
- $80.2M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 15.86%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101103547
- Holding company
- ELK COUNTY BANCSHARES, INC.
- Asset rank in state
- 150th of 182 in Kansas
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 3.87 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Howard State Bank is the 150th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $80.2M, loans rose 2.8% and deposits rose 0.4%. Farmland and other real estate loans made up 31.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.0%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in KS; its Howard office books 40% of its branch deposits. Judged on its Q2 2026 call report, Howard State Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Howard State Bank's total assets ranged from $68.8M (Q3 2024) to $85.9M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$80.2M total assets against $74.5M; $72.8M total liabilities against $68.8M.
$53.4M net loans and leases against $46.2M; $71.1M total deposits against $68.6M.
$23.4M securities against $24.0M; $1.5M cash and balances due against $2.7M.
$1.1M total interest income against $1.0M; $169K total interest expense against $171K.
$938K net interest income against $834K.
$51K total noninterest income against $51K; $558K total noninterest expense against $448K.
No provision recorded in the last 12 quarters.
$412K net income against $426K.
2.06% return on assets against 2.29%; 5.01% net interest margin against 4.90%.
15.86% CET1 capital ratio against 14.92%; 12.21% tier 1 leverage ratio against 11.98%.
Inside the full Howard State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.36% (Q4 2024) to 2.63% (Q1 2026) and its net interest margin ran from 4.63% (Q3 2024) to 5.01% (Q2 2026).
| 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
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 177 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Howard State Bank headquartered?
It is headquartered in Howard, KS, United States.
When was Howard State Bank founded?
It was established in 1877, per the FDIC institution directory.
Is Howard State Bank FDIC-insured?
Yes. It 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.
What is Howard State Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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