Side-by-side · Q2 2026 data
Home Bank and Trust Company vs The Howard State Bank, Howard, Kansas
Metric by metric
| Measure | Home Bank and Trust Company | The Howard State Bank, Howard, Kansas |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 33 | 72 (stronger) |
| Loan quality | 79 (stronger) | 77 |
| Earnings | 100 | 100 |
| Funding & liquidity | 53 (stronger) | 44 |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 34th | 58th |
| Total assets | $183.3M | $80.2M |
| Deposits / shares | $166.8M | $71.1M |
| Capital ratio | 8.28% | 12.21% (stronger) |
| Problem loans | 0.63% (stronger) | 0.69% |
| Net charge-offs | -0.24% (stronger) | -0.01% |
| Return on assets | 2.17% | 2.31% (stronger) |
| Loans ÷ deposits | 91.5% | 75.2% (stronger) |
| Uninsured deposits | 28.9% (stronger) | 52.2% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
The Howard State Bank, Howard, Kansas has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Home Bank and Trust Company leads on 3 and The Howard State Bank, Howard, Kansas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.