Howard State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Howard State Bank of Howard, KS against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.06% | 3.14% | -1.08% | 84th top |
| ROAE | 22.30% | 10.39% | +11.91% | 94th top |
| Net Interest Margin | 5.01% | 3.93% | +1.08% | 88th top |
| Efficiency Ratio | 54.97% | 76.35% | -21.38% | 80th top |
| PPNR / Avg Assets | 2.16% | 1.40% | +0.76% | 83rd top |
| Yield on Earning Assets | 5.89% | 5.35% | +0.54% | 73rd above |
| Cost of Funds | 0.95% | 1.71% | -0.76% | 82nd top |
| Net Interest Spread | 4.73% | 3.31% | +1.42% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 1.34% | -0.65% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.46% | 0.71% | -0.25% | 33rd below |
| NCO / Avg Loans | -0.03% | 0.11% | -0.14% | 88th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.49% | -0.24% | 52nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 182.75% | 866.39% | -683.64% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.62% | 8.26% | -3.64% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.86% | 62.08% | -46.22% | 27th below |
| Tier 1 Ratio | 15.86% | 62.08% | -46.22% | 27th below |
| Total Capital Ratio | 16.96% | 63.05% | -46.09% | 27th below |
| Leverage Ratio | 12.21% | 17.62% | -5.41% | 40th below |
| Equity / Assets | 9.24% | 16.44% | -7.20% | 19th bottom |
| TCE / Tangible Assets | 9.24% | 16.19% | -6.95% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.11% | 72.82% | +3.29% | 36th below |
| Core Deposit Ratio | 96.69% | 88.20% | +8.49% | 81st top |
| Wholesale Funding Ratio | 1.87% | 5.30% | -3.43% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.70% | 4.30% | +3.40% | 76th top |
| Loan Growth (Y/Y) | 15.66% | 6.70% | +8.96% | 87th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.62% | 3.77% | -0.15% | 58th above |
See Howard State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Howard State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Howard State Bank profile, how to read a UBPR, or how this data updates.