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Howard State Bank

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Howard State Bank Rates & Review May 2026

Q: How many branches does Howard State Bank operate?

Howard State Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Howard State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Howard State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Howard State Bank rates to other rates in our database, including 12-month CD rates currently at 1.26%, 6-month CD rates at 3.50% and 3-month CD rates at 0.60%. Savings rates are at 0.05% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.15%. All these rates can be compared to Howard State Bank rates. MonitorBankRates evaluates the financial stability of Howard State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.19%. Rates were last updated on 05/15/2026.

Howard State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Howard State Bank? Share your experience about Howard State Bank by leaving a review below, or read customer reviews before you decide to use Howard State Bank.

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.19%

Excellent Lower than avg

The Howard State Bank, Howard, Kansas

100 S Wabash
Howard, KS 67349

https://www.howardstatebank.com

Current Rate Availability

We do not have Howard State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Howard State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Howard State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Howard State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Howard State Bank

Bank Holding Company ELK COUNTY BANCSHARES INC

Address 100 S Wabash, Howard, KS 67349 · Elk

Website https://www.howardstatebank.com

FDIC Certificate # 4693

Established 08/30/1877

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.19%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2486%

Return on Equity (ROE) 27.9800%

Non-Performing Loans (NPL) 0.07%

Total Assets $85,888,000

Total Deposits $78,946,000

Equity Capital $6,768,000

Net Income $1,466,000

Headquarters Howard

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Howard State Bank earned the Verified Strong badge

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Frequently Asked Questions About Howard State Bank

How many branches does Howard State Bank operate?

Howard State Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Howard State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Howard State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Howard State Bank offer online and mobile banking?

Most modern institutions like Howard State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.howardstatebank.com.