The Howard State Bank, Howard, Kansas is a state-chartered bank headquartered in Howard, Kansas, in business for about 149 years. At the end of Q2 2026 it reported $80.2M in total assets and $71.1M in deposits, with 4 offices.
Based on its Q2 2026 filing, The Howard State Bank, Howard, Kansas scores 77/100, which we describe as strong. That is higher than 58% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 83rd. Its strongest component is earnings (100/100; 2.31%), and its lowest is funding & liquidity (44/100; 75% loans-to-deposits, 52% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (87 → 77), mostly because the funding & liquidity component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 86 |
| Q4 2024 | 84 |
| Q1 2025 | 86 |
| Q2 2025 | 87 |
| Q3 2025 | 82 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.45% |
| Q3 2024 | 11.81% |
| Q4 2024 | 11.85% |
| Q1 2025 | 11.78% |
| Q2 2025 | 11.98% |
| Q3 2025 | 11.84% |
| Q4 2025 | 11.54% |
| Q1 2026 | 11.80% |
| Q2 2026 | 12.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.94% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.72% |
| Q1 2025 | 1.84% |
| Q2 2025 | 2.07% |
| Q3 2025 | 2.01% |
| Q4 2025 | 1.90% |
| Q1 2026 | 2.59% |
| Q2 2026 | 2.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $80.2M | 12.21% | 0.69% | 2.31% | 75.2% |
| Q1 2026 | 80 | $79.4M | 11.80% | 0.73% | 2.59% | 73.3% |
| Q4 2025 | 80 | $85.9M | 11.54% | 0.51% | 1.90% | 63.8% |
| Q3 2025 | 82 | $77.2M | 11.84% | 0.58% | 2.01% | 67.1% |
| Q2 2025 | 87 | $74.5M | 11.98% | 0.05% | 2.07% | 67.3% |
| Q1 2025 | 86 | $73.9M | 11.78% | 0.06% | 1.84% | 64.0% |
| Q4 2024 | 84 | $74.6M | 11.85% | 0.21% | 1.72% | 61.4% |
| Q3 2024 | 86 | $68.8M | 11.81% | 0.20% | 1.86% | 62.7% |
| Q2 2024 | 82 | $71.5M | 11.45% | 0.20% | 1.94% | 62.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CBW BankBank Weir, KS | 82 out of 100, Strong | $80.5M | 28.3% | 0.94% | vs |
| The First National Bank of HopeBank Hope, KS | 75 out of 100, Strong | $83.4M | 13.8% | 1.33% | vs |
| The First State BankBank Ness City, KS | 92 out of 100, Very strong | $84.3M | 15.3% | 0.00% | vs |
| The Farmers State BankBank Wathena, KS | 72 out of 100, Strong | $84.7M | 13.6% | 1.74% | vs |
| The Farmers State BankBank Holton, KS | 83 out of 100, Strong | $86.3M | 12.7% | 0.45% | vs |
| Union State BankBank Uniontown, KS | 79 out of 100, Strong | $73.8M | 10.4% | 0.18% | vs |
Deposit insurance
Is my money safe at The Howard State Bank, Howard, Kansas?
Yes. The Howard State Bank, Howard, Kansas is an FDIC-insured institution (FDIC certificate #4693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.2% of deposits ($37.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.96% (benchmark: 10%).
4 locations
Branches
The Howard State Bank, Howard, Kansas lists 4 offices in 4 cities. Most locations:
- Cedar Vale, KS (1)
- Howard, KS (1)
- Moline, KS (1)
- Sedan, KS (1)
Identity & history
Profile
- Legal name
- The Howard State Bank, Howard, Kansas
- Former names
- The Howard National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 4693
- RSSD ID
- 998358
- Primary regulator
- FDIC
- Holding company
- Elk County Bancshares Inc
- Established
- August 30, 1877
- Headquarters
- 100 S Wabash, Howard, KS 67349
- Website
- www.howardstatebank.com
- Employees
- 18
Quick answers
The Howard State Bank, Howard, Kansas: common questions
Is The Howard State Bank, Howard, Kansas FDIC insured?
Yes. The Howard State Bank, Howard, Kansas is an FDIC-insured institution (FDIC certificate #4693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Howard State Bank, Howard, Kansas's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Howard State Bank, Howard, Kansas ever failed?
There is no failure record for FDIC certificate #4693 in the FDIC failed bank list.
How many branches does The Howard State Bank, Howard, Kansas have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Howard
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |
| Home Bank and Trust CompanyBank Eureka, KS | 67 out of 100, Moderate | $183.3M | 8.3% | 0.63% | vs |