Side-by-side · Q2 2026 data
The Howard State Bank, Howard, Kansas vs The Farmers State Bank
Metric by metric
| Measure | The Howard State Bank, Howard, Kansas | The Farmers State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 72 | 86 (stronger) |
| Loan quality | 77 (stronger) | 42 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 44 | 88 (stronger) |
| Problem-loan coverage | 91 (stronger) | 81 |
| Peer percentile | 58th | 45th |
| Total assets | $80.2M | $84.7M |
| Deposits / shares | $71.1M | $77.0M |
| Capital ratio | 12.21% | 13.64% (stronger) |
| Problem loans | 0.69% (stronger) | 1.74% |
| Net charge-offs | -0.01% | -0.08% (stronger) |
| Return on assets | 2.31% (stronger) | 1.32% |
| Loans ÷ deposits | 75.2% | 59.6% (stronger) |
| Uninsured deposits | 52.2% | 26.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.6% |
The Howard State Bank, Howard, Kansas has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Howard State Bank, Howard, Kansas leads on 3 and The Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.