The Howard State Bank, Howard, Kansas
Howard, KS
IDRSSD: 998358
Total Assets
$85.89M
Latest filing
Total Deposits
$78.95M
Latest filing
Net Interest Margin
4.61%
Profitability
Key People
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Locations
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Main Office
The Howard State Bank, Howard, Kansas
100 S Wabash
Howard, KS 67349
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/30/1877FDIC Certificate 3120
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Howard State Bank, Howard, Kansas (Main) | 100 S Wabash | Howard, KS |
| CEDAR VALE BRANCH | 602 Cedar St | Cedar Vale, KS |
| SEDAN BRANCH | 125 W Main St | Sedan, KS |
| MOLINE BRANCH | 124 N Main St | Moline, KS |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/30/1877 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67349 |
| State and County Number | 20049 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.howardstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 4693 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $85.89M |
| Total Deposits | $78.95M |
| Total Liabilities | $79.12M |
| Total Equity Capital | $6.77M |
| Net Income | $335.00k |
| Net Loans and Leases | $50.38M |
| Assets Per Employee ($Millions) | $4.52M |
| Bank Premises and Fixed Assets | $272.00k |
| Cash and Balances due from Depository Institutions | $9.81M |
| Deposits Held in Domestic Offices | $78.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 20.14% |
| Net Interest Margin | 4.61% |
| Efficiency Ratio | 58.05% |
| Tier 1 Risk-Based Capital Ratio | 14.327% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.88% |
| Earning Assets to total Assets | 94.54% |
Income and Expense
| Total Interest Income | $1.08M |
| Total Noninterest Income | $56.00k |
| Total Interest Expense | $176.00k |
| Total Noninterest Expense | $555.00k |
| Net Interest Income | $900.00k |
| Pre-tax Net Operating Income | $401.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $174.00k |
| Total Liabilities and Capital | $85.89M |
Securities
| Securities | $24.12M |
| Available-for-sale debt securities | $24.08M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Howard State Bank, Howard, Kansas?
$85.89M as of the latest filing.
How much are The Howard State Bank, Howard, Kansas's total deposits?
$78.95M in total deposits.
Where is The Howard State Bank, Howard, Kansas located?
Howard, KS.
What is the Net Interest Margin?
4.61%.
How many domestic offices does it operate?
4.
When was it established?
08/30/1877.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$50.38M (latest filing).
What is the total interest income (latest filing)?
$1.08M.