Howard State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.05 percentage points higher than in Q1 2026, at 182.75%. Howard State Bank ranks 24th of 182 Kansas banks on return on assets, in the upper half at 2.06% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Howard State Bank reported 2.06% on return on assets in Q2 2026, 1.09 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 16.96% |
| Tier 1 leverage ratio | 12.21% |
| Equity capital to assets | 9.24% |
| Tangible equity to tangible assets | 9.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.46% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 4.62% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 182.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 22.30% |
| Net interest margin | 5.01% |
| Efficiency ratio | 54.97% |
| Yield on earning assets | 5.89% |
| Cost of funds | 0.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.11% |
| Core deposits to total deposits | 96.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.63% |
| Securities to assets | 29.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.53% | 15.53% | 16.78% | 10.80% | 1.16% |
| Q4 2023 | 14.62% | 14.62% | 15.86% | 10.50% | 1.15% |
| Q1 2024 | 15.22% | 15.22% | 16.45% | 10.75% | 1.88% |
| Q2 2024 | 15.10% | 15.10% | 16.30% | 11.45% | 2.07% |
| Q3 2024 | 15.64% | 15.64% | 16.85% | 11.81% | 1.70% |
| Q4 2024 | 14.82% | 14.82% | 15.90% | 11.85% | 1.36% |
| Q1 2025 | 15.60% | 15.60% | 16.66% | 11.78% | 1.86% |
| Q2 2025 | 14.92% | 14.92% | 15.91% | 11.98% | 2.29% |
| Q3 2025 | 14.93% | 14.93% | 16.04% | 11.84% | 1.90% |
| Q4 2025 | 14.33% | 14.33% | 15.39% | 11.54% | 1.70% |
| Q1 2026 | 15.90% | 15.90% | 17.02% | 11.80% | 2.63% |
| Q2 2026 | 15.86% | 15.86% | 16.96% | 12.21% | 2.06% |
Howard State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Howard State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Howard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4693) · FFIEC NIC profile (RSSD 998358)