Side-by-side · Q2 2026 data
The Howard State Bank, Howard, Kansas vs Bank of Commerce
Metric by metric
| Measure | The Howard State Bank, Howard, Kansas | Bank of Commerce |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 72 (stronger) | 42 |
| Loan quality | 77 | 98 (stronger) |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 44 | 74 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 58th | 57th |
| Total assets | $80.2M | $497.5M |
| Deposits / shares | $71.1M | $439.3M |
| Capital ratio | 12.21% (stronger) | 9.19% |
| Problem loans | 0.69% | 0.05% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 2.31% (stronger) | 1.46% |
| Loans ÷ deposits | 75.2% (stronger) | 75.2% |
| Uninsured deposits | 52.2% | 25.4% (stronger) |
| Offices | 4 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.9% |
The Howard State Bank, Howard, Kansas has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Howard State Bank, Howard, Kansas leads on 5 and Bank of Commerce on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Howard, KS