BlastPoint's Banking Scorecard

The Howard State Bank, Howard, Kansas

under $100M Specialty: Agricultural KS FDIC cert 4693

Designations: ✓ Community bank

Howard, KS

4 branches across KS

541 banks in the under $100M peer group nationally 48 in KS

The Howard State Bank, Howard, Kansas shows strong momentum with 4 strengths and 7.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.75% above tier average
+ Efficiency Ratio 43.01% below tier average
+ Net Interest Margin 0.89% above tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Howard State Bank, Howard, Kansas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$79.4M +7.4% YoY -7.6% QoQ	+$17.2M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$51.9M +19.4% YoY +3.1% QoQ	+$17.7M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$70.8M +4.2% YoY -10.3% QoQ	+$19.1M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	2.59% +40.6% YoY +36.4% QoQ	+1.75%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 5.2% in tier
Net Interest Margin ?	4.75% +3.0% YoY +1.7% QoQ	+0.89%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	45.33% -25.0% YoY -20.0% QoQ	-43.01%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 5.0% in tier
Delinquency Rate ?	0.74% +42.5% QoQ	-0.64%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	73.32% +14.6% YoY +14.9% QoQ	+9.11%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	19.84% -67.0% YoY -69.0% QoQ	-3.87%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.48% +59.0% QoQ	-0.31%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	15.90% +1.9% YoY +11.0% QoQ	-10.78%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.06% -8.8% YoY -75.4% QoQ	-0.61%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 45.33%

Peer Median: 88.34%

#28 of 541 Top 5.0% in under $100M

Return on Assets

profitability

Value: 2.59%

Peer Median: 0.84%

#29 of 541 Top 5.2% in under $100M

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.86%

#92 of 541 Top 16.8% in under $100M

111

Total Loans

size

Value: $51.94M

Peer Median: $34.25M

#111 of 541 Top 20.3% in under $100M

132

Total Deposits

size

Value: $70.84M

Peer Median: $51.74M

#132 of 541 Top 24.2% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available