The Howard State Bank, Howard, Kansas is a bank based in Howard, Kansas, established in 1877, with $79 million in total assets across 4 branches. By Trust Grade it ranks 112th of 186 banks we track in Kansas. Its capital ratio of 9.3% trails most similarly sized banks (21th percentile), versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 2.59% return on assets. No consumer complaints against The Howard State Bank, Howard, Kansas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Howard State Bank, Howard, Kansas compares to Kansas peers
How we graded The Howard State Bank, Howard, Kansas
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Strongly profitable (ROA 2.59%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Howard State Bank, Howard, Kansas over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 602 Cedar St, Cedar Vale, KS 67024
- 125 W Main St, Sedan, KS 67361
- 100 S Wabash, Howard, KS 67349
- 124 N Main St, Moline, KS 67353
Are deposits at The Howard State Bank, Howard, Kansas insured?
Yes. The Howard State Bank, Howard, Kansas is an FDIC-insured bank (FDIC certificate #4693). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Howard State Bank, Howard, Kansas: frequently asked questions
Is The Howard State Bank, Howard, Kansas a good bank?
The Howard State Bank, Howard, Kansas earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Strongly profitable (ROA 2.59%).
Is The Howard State Bank, Howard, Kansas FDIC-insured?
Yes. The Howard State Bank, Howard, Kansas is a FDIC-insured bank (FDIC certificate #4693). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Howard State Bank, Howard, Kansas?
The Howard State Bank, Howard, Kansas holds $79 million in total assets, ranking 112th of 186 banks we track in Kansas. It operates 4 branches.
Does The Howard State Bank, Howard, Kansas have CFPB complaints?
No CFPB complaints against The Howard State Bank, Howard, Kansas appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
