Howard State Bank
Capital moved notably last quarter — CET1 ratio of 15.90% was up 158bps from the prior quarter. Howard State Bank is a small community bank chartered in 1877, based in Howard, KS. Total assets stand at $79M. The bank posts a strong 2.63% ROA and 30.27% ROE. Regulatory capital is solid — 15.90% CET1 and 17.02% total risk-based capital ratio. Credit metrics are in line with industry norms — 0.73% NPL ratio. 4 branches make up the footprint.
Headquarters Profile
- Address
- 100 S Wabash, HOWARD, KS 67349
- County
- Elk
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- August 30, 1877
- Branches
- 4 domestic
- Employees (FTE)
- 18
- FDIC Cert
- 4693
- Fed RSSD
- 998358
- Website
- www.howardstatebank.com →
- Parent Holding Company
- ELK COUNTY BANCSHARES, INC. (RSSD 1062863)
Capital & Liquidity
Inside the full Howard State Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Howard State Bank — freeThis is just Howard State Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Howard State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Howard State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Howard State Bank
What are Howard State Bank's total assets?
As of the Q1 2026 filing, Howard State Bank reported total assets of $79.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Howard State Bank headquartered?
Howard State Bank is headquartered in HOWARD, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Howard State Bank founded?
Howard State Bank was established in 1877, per the FDIC institution directory.
Is Howard State Bank FDIC-insured?
Yes. Howard State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Howard State Bank's CET1 capital ratio?
Howard State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.90% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Howard State Bank operate?
Howard State Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Howard State Bank's Texas Ratio?
Howard State Bank's Texas Ratio is 4.75% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Howard State Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required