$52.6M
+19.4%y/y
Percentile by value81st percentileby value
FDIC
LNLSGRHS
The Howard State Bank, Howard, Kansas
Howard, KansasFDIC Cert #4693
STATEEstablished 18774 branches
Holding company: ELK COUNTY BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $5.48M |
| Investor CRE | $27K |
| Multifamily | $0 |
| Construction | $720K |
| 1–4 family | $12.4M |
| C&I | $3.82M |
| Agriculture | $26.5M |
| Other | $3.7M |
Loan book
Reported balances and balance-sheet intensity.
$51.9M
+19.4%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET+19.40%
+62.4%y/y
Percentile by value90th percentileby value
FDIC
LNLSNET73.3%
+14.6%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET + DEP65.4%
+11.1%y/y
Percentile by value70th percentileby value
FDIC
LNLSNET + ASSET62.85%
+20.5%y/y
Percentile by value40th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
7%
+9.3%y/y
Percentile by value32nd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC7%
+15.7%y/y
Percentile by value61st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,995points
+8.5%y/y
Peer standing78th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.42%
−20.7%y/y
Percentile by value78th percentileby value
FDIC
LNRENROW + LNLSGR0.05%
−58.9%y/y
Percentile by value23rd percentileby value
FDIC
LNRENROT + LNLSGR7.26%
−48.9%y/y
Percentile by value40th percentileby value
FDIC
LNCI + LNLSGR