Side-by-side · Q2 2026 data
The Howard State Bank, Howard, Kansas vs The First State Bank
Metric by metric
| Measure | The Howard State Bank, Howard, Kansas | The First State Bank |
|---|---|---|
| TellerScore | 77 | 92 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 44 | 82 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 58th | 92nd |
| Total assets | $80.2M | $84.3M |
| Deposits / shares | $71.1M | $74.1M |
| Capital ratio | 12.21% | 15.27% (stronger) |
| Problem loans | 0.69% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 2.31% (stronger) | 1.26% |
| Loans ÷ deposits | 75.2% | 49.5% (stronger) |
| Uninsured deposits | 52.2% | 31.5% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank has the higher TellerScore (92 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Howard State Bank, Howard, Kansas leads on 2 and The First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.