Side-by-side · Q2 2026 data
The Howard State Bank, Howard, Kansas vs Union State Bank
Metric by metric
| Measure | The Howard State Bank, Howard, Kansas | Union State Bank |
|---|---|---|
| TellerScore | 77 | 79 (stronger) |
| Capital cushion | 72 (stronger) | 54 |
| Loan quality | 77 | 94 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 44 | 63 (stronger) |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 58th | 63rd |
| Total assets | $80.2M | $73.8M |
| Deposits / shares | $71.1M | $65.2M |
| Capital ratio | 12.21% (stronger) | 10.36% |
| Problem loans | 0.69% | 0.18% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.08% |
| Return on assets | 2.31% | 2.91% (stronger) |
| Loans ÷ deposits | 75.2% (stronger) | 86.6% |
| Uninsured deposits | 52.2% | 24.6% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Howard State Bank, Howard, Kansas leads on 3 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.