BlastPoint's Banking Scorecard
The Howard State Bank, Howard, Kansas
Designations: ✓ Community bank
Howard, KS
4 branches across KS
The Howard State Bank, Howard, Kansas shows strong momentum with 4 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.73% above tier average
- + Efficiency Ratio 42.29% below tier average
- + Net Interest Margin 0.88% above tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
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
|
+$17.1M |
$62.3M
-0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
71% |
| Total Loans ? |
$51.9M
+19.4% YoY
+3.1% QoQ
|
+$17.7M |
$34.3M
-1.5% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
80% |
| Total Deposits ? |
$70.8M
+4.2% YoY
-10.3% QoQ
|
+$19.0M |
$51.8M
-0.6% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
76% |
| Return on Assets ? |
2.59%
+40.6% YoY
+36.4% QoQ
|
+1.73% |
0.86%
-3.6% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
Top 5.2% in tier |
| Net Interest Margin ? |
4.75%
+3.0% YoY
+1.7% QoQ
|
+0.88% |
3.87%
+2.7% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
45.33%
-25.0% YoY
-20.0% QoQ
|
-42.29% |
87.63%
+2.3% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
Top 5.0% in tier |
| Delinquency Rate ? |
0.74%
+42.5% QoQ
|
-0.63% |
1.36%
+33.7% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
73.32%
+14.6% YoY
+14.9% QoQ
|
+9.21% |
64.11%
-0.9% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
19.84%
-67.0% YoY
-69.0% QoQ
|
-3.95% |
23.79%
+0.5% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.48%
+59.0% QoQ
|
-0.29% |
0.77%
+28.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
15.90%
+1.9% YoY
+11.0% QoQ
|
-10.87% |
26.77%
+2.0% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.06%
-8.8% YoY
-75.4% QoQ
|
-0.61% |
0.67%
+1.6% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
49% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.