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BDI
HS

The Howard State Bank, Howard, Kansas

Howard, KansasFDIC Cert #4693

STATEEstablished 18774 branches

Holding company: ELK COUNTY BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$63.9M$56.7M
Q3 2021$63.8M$56.7M
Q4 2021$84.3M$77.3M
Q1 2022$78M$73.4M
Q2 2022$81.3M$78.1M
Q3 2022$80.2M$78.1M
Q4 2022$81.9M$78.9M
Q1 2023$76.4M$72.6M
Q2 2023$72.5M$68.4M
Q3 2023$69.5M$66.5M
Q4 2023$79.4M$74.9M
Q1 2024$72.1M$67.2M
Q2 2024$71.5M$65M
Q3 2024$68.8M$63.1M
Q4 2024$74.6M$69.1M
Q1 2025$73.9M$68M
Q2 2025$74.5M$68.6M
Q3 2025$77.2M$70.4M
Q4 2025$85.9M$78.9M
Q1 2026$79.4M$70.8M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$79.4M
+7.4%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICASSET
Deposits
$70.8M
+4.2%y/y
Percentile by value63rd percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICDEP
Gross loans
$52.6M
+19.4%y/y
Percentile by value71st percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSGR
Net loans
$51.9M
+19.4%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET
Securities
$23.9M
+0.5%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICSC
Cash
$1.82M
−64.4%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICCHBAL
Liabilities
$72M
+5.6%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLIAB
Equity
$7.37M
+29.1%y/y
Peer standing34th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$986K
+16.0%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNIM + NONII
NII
$938K
+17.1%y/y
Peer standing86th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNIM
Noninterest income
$48K
−2.0%y/y
Peer standing45th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNONII
Provision
$0
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICELNATR
Pretax income
$539K
+60.4%y/y
Peer standing97th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICPTAXNETINC
Net income
$535K
+56.4%y/y
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNETINC