BlastPoint's Banking Scorecard
The Howard State Bank, Howard, Kansas
Micro
Specialty: Agricultural
KS
FDIC cert 4693
Designations: ✓ Community bank
Howard, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Howard State Bank, Howard, Kansas shows strong momentum with 1 strength and 15.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 41.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.9M
+15.1% YoY
+11.3% QoQ
|
-$131.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$50.4M
+18.8% YoY
+6.6% QoQ
|
-$88.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$78.9M
+14.2% YoY
+12.1% QoQ
|
-$104.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.90%
+10.5% YoY
-5.6% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.67%
+7.9% YoY
-1.0% QoQ
|
+0.82% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
56.70%
-6.8% YoY
+0.9% QoQ
|
-11.03% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.52%
+146.0% YoY
-12.3% QoQ
|
-0.12% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
63.81%
+4.0% YoY
-4.9% QoQ
|
-10.71% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
63.96%
+0.4% YoY
+6.8% QoQ
|
+41.57% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.30%
+153.8% YoY
-16.0% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.33%
-3.3% YoY
-4.0% QoQ
|
+5.47% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.25%
-13.5% YoY
+22.3% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
63.96%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.96% · Tier avg: 22.39%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
77
77th pctile
Efficiency Ratio
Current: 56.70% · Tier avg: 67.73%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.81% · Tier avg: 74.53%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.33% · Tier avg: 8.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
21
21th pctile
Total Deposits
Current: $78.9M · Tier avg: $183.7M
20
20th pctile
Total Loans
Current: $50.4M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
Top Weaknesses
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
20
20th pctile
Total Loans
Current: $50.4M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $78.9M · Tier avg: $183.7M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.33% · Tier avg: 8.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.81% · Tier avg: 74.53%
77
77th pctile
Efficiency Ratio
Current: 56.70% · Tier avg: 67.73%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.96% · Tier avg: 22.39%