BlastPoint's Banking Scorecard
The Howard State Bank, Howard, Kansas
Designations: ✓ Community bank
Howard, KS
4 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +3.6% year over year ($71.1M on the books).
- Delinquency rate 0.70%.
- Return on assets 2.31%.
- Efficiency ratio 50.89% vs a 119.40% peer average.
- Loan-to-deposit ratio 75.15% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Howard State Bank, Howard, Kansas shows strong momentum with 4 strengths and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.32% above tier average
- + Net Interest Margin 0.88% above tier average
- + Efficiency Ratio 68.51% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.2M
+7.7% YoY
+1.1% QoQ
|
+$17.8M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$53.4M
+15.7% YoY
+2.9% QoQ
|
+$18.5M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$71.1M
+3.6% YoY
+0.4% QoQ
|
+$19.5M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
2.31%
+12.0% YoY
-10.6% QoQ
|
+1.32% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 6.7% in tier |
| Net Interest Margin ? |
4.79%
+2.3% YoY
+0.8% QoQ
|
+0.88% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
50.89%
-8.2% YoY
+12.2% QoQ
|
-68.51% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 10.3% in tier |
| Delinquency Rate ? |
0.70%
-4.8% QoQ
|
-0.78% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
75.15%
+11.6% YoY
+2.5% QoQ
|
+0.94% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
19.85%
-65.8% YoY
+0.0% QoQ
|
-3.64% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.47%
-3.1% QoQ
|
-0.37% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
15.86%
+6.3% YoY
-0.3% QoQ
|
-11.27% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.12%
-8.1% YoY
+104.1% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.8%
-38.2pp YoY 0.0pp QoQ |
-4.8pp | 24.6% | 22.3% | 22.2% | 35% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
-4.5pp YoY -0.7pp QoQ |
-6.8pp | 13.4% | 12.6% | 12.5% | 31% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
25.3%
+3.1pp YoY +1.5pp QoQ |
-9.7pp | 35.0% | 26.7% | 31.3% | 44% |
| Consumer |
5.2%
-1.7pp YoY -1.5pp QoQ |
-2.5pp | 7.7% | 4.6% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.9%
+0.9pp YoY 0.0pp QoQ |
-22.8pp | 38.7% | 23.3% | 19.7% | 28% |
| Leverage Ratio |
12.2%
+0.2pp YoY +0.4pp QoQ |
-5.5pp | 17.7% | 12.6% | 12.6% | 42% |
| Total Capital Ratio |
17.0%
+1.1pp YoY -0.1pp QoQ |
-22.7pp | 39.7% | 24.4% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY 0 QoQ |
+6 | 12 | 70 | 482 | 84% |
| Assets per Employee ($) |
$4.5M
+7.7% YoY +1.1% QoQ |
-$1.7M | $6.2M | $7.1M | $8.8M | 28% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 6 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -1.0pp | 1.0% | 0.4% | 0.4% | 4% |
| Nonaccrual |
0.7%
+0.6pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 0.8% | 1.0% | 49% |
| Allowance Coverage |
1.81x
-93.2% YoY +2.6% QoQ |
-4.60x | 6.41x | 22.44x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
26.4%
-1.1pp YoY -3.9pp QoQ |
+20.0pp | 6.4% | 14.3% | 11.6% | 98% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$947,000
+23.3% YoY — QoQ |
+$629K | $317,817 | $3.7M | $40.4M | 94% |
Get Full Access to The Howard State Bank, Howard, Kansas
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.