The Howard State Bank, Howard, Kansas: how it compares with its peers
Against 58 KS banks with half to twice its assets, The Howard State Bank, Howard, Kansas's strongest measure in Q2 2026 is return on assets (2.31% vs. a 1.33% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $7.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.31% | 1.33% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.79% | 3.91% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.89% | 60.25% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $7.2M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.15% | 69.19% | Context |
What it means for lending operations
Its efficiency ratio of 50.89% is better than the 60.25% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CBW Bank Weir, KS · $81M
- The First National Bank of Hope Hope, KS · $83M
- The First State Bank Ness City, KS · $84M
- The Farmers State Bank Wathena, KS · $85M
- The Farmers State Bank Holton, KS · $86M
- Union State Bank Uniontown, KS · $74M
Questions about The Howard State Bank, Howard, Kansas
How big is The Howard State Bank, Howard, Kansas?
The Howard State Bank, Howard, Kansas, established in 1877, is headquartered in Howard, KS. It reported $80M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Howard State Bank, Howard, Kansas's return on assets?
2.31% annualized in Q2 2026, against a 1.33% median for 58 KS banks with half to twice its assets, ahead of 93% of them.
What is The Howard State Bank, Howard, Kansas's efficiency ratio?
50.89% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 60.25%, and lower is better.
Is The Howard State Bank, Howard, Kansas growing its loans?
Net loans grew 15.7% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.