B
Howard State Bank
Howard,  KS
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 9.40
Stability Index 5.00
Company Info Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 4693
Phone Number (620) 374-2127
Website www.howardstatebank.com
Asset Quality Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 7.70%
5-Year Asset Growth 6.94%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.46%
Non-Performing Loans to Capital 3.59%
Non-Performing Loans to Loans 0.69%
Balance Sheet Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 80.21M
Total Deposits 71.09M
Capital and Reserves Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
Capital 7.41M
Leverage Ratio 12.21
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 16.96
Liquidity Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 8.76%
Liquidity Ratio 9.95%
Profitability Howard State Bank
Howard, KS
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 1.37%
Net Income 947.00K
Net Interest Spread 4.96%
Operating Profit to Average Assets 2.40%
Overhead Efficiency Ratio 50.89%
Return on Assets 2.35%
Return on Equity 26.19%