B
Howard State Bank
HowardKS
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Howard State Bank
Howard, KS
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Rating B
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 8.40
Stability Index 5.10
Company Info Howard State Bank
Howard, KS
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FDIC Number 4693
Phone Number (620) 374-2127
Website www.howardstatebank.com
Asset Quality Howard State Bank
Howard, KS
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1-Year Asset Growth 12.25%
5-Year Asset Growth 7.33%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans -0.20%
Non-Performing Assets to Assets 0.36%
Non-Performing Loans to Capital 2.86%
Non-Performing Loans to Loans 0.58%
Balance Sheet Howard State Bank
Howard, KS
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Total Assets 77.19M
Total Deposits 70.44M
Capital and Reserves Howard State Bank
Howard, KS
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Capital 6.54M
Leverage Ratio 11.84
Loan Loss Reserves to Loans 1.41%
Risk-Based Capital Ratio 16.04
Liquidity Howard State Bank
Howard, KS
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Hot Money Ratio 9.59%
Liquidity Ratio 14.38%
Profitability Howard State Bank
Howard, KS
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5-Year Return on Average Assets 1.14%
Net Income 1.13M
Net Interest Spread 4.86%
Operating Profit to Average Assets 2.06%
Overhead Efficiency Ratio 56.21%
Return on Assets 2.02%
Return on Equity 26.07%