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The Howard State Bank, Howard, Kansas
Howard, KS · FDIC Certificate #4693 · Chartered 08/3
Total assets
$80.21M
Total deposits
$71.09M
Total equity
$7.41M
Net loans
$53.42M
Branches (offices)
4
Net income (YTD)
$947.00K
Rank: #3,832 of 4,213 U.S. banks by assets · #150 of 183 in Kansas. Assets changed 7.7% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.31% |
| Return on equity | 26.37% |
| Net interest margin (YTD) | 4.79% |
| Equity to assets | 9.24% |
| Tier 1 leverage ratio | 12.21% |
| Uninsured deposits (share of deposits) | 52.2% |
| Noncurrent loans (share of loans) | 0.69% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 75.2% |
| Real estate loans (share of loans) | 69.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.01M | 69.3% | |
| Commercial & industrial | $3.53M | 6.6% | |
| Consumer / individual | $2.76M | 5.2% | |
| Construction & development | $646.00K | 1.2% | |
| Agricultural | $10.59M | 19.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $81.31M | $78.11M | $318.00K | $3.18M |
| Jun 2023 | $72.50M | $68.36M | $498.00K | $3.75M |
| Jun 2024 | $71.54M | $65.00M | $721.00K | $4.79M |
| Jun 2025 | $74.47M | $68.61M | $768.00K | $5.70M |
| Jun 2026 | $80.21M | $71.09M | $947.00K | $7.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $71.09M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $71.09M.
Similar-sized banks
State Bank Of Eagle Butte ($80.27M) · The Citizens State Bank At Mohall ($80.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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