Compared with Kansas
1 of 9
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
32nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kansas median
of 9 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for The Howard State Bank, Howard, Kansas at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kansas median | Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Howard State Bank, Howard, Kansas's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.4% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (32nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $14K in Q2 2026, 6.7% below the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 9 compared published fees sit above the Kansas median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kansas medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 13% from Q3 2025 to Q2 2026, to $14K. Its share of revenue, 1.4%, is below the 2.1% median for banks with under $300M in assets.
$14K
The Howard State Bank, Howard, KansasMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The Howard State Bank, Howard, Kansas · $80M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Howard State Bank, Howard, Kansas(this institution) | Howard, KS | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American State Bank of Grygla | Grygla, MN | $82M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Anchor State Bank | Anchor, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Ontario | Ontario, WI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Crosbyton | Crosbyton, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Conneaut Savings Bank | Conneaut, OH | $77M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank | Arnett, OK | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers State Bank of Trimont | Trimont, MN | $73M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of Pike | Molena, GA | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of South Padre Island | South Padre Island, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Rivers Bank | Paramus, NJ | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Highland Federal Savings and Loan Association | Crossville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Independence State Bank | Independence, WI | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| McClave State Bank | McClave, CO | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Cambridge Co-operative Bank | Cambridge, MA | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Park Bank, National Association | Holmen, WI | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Redemption Bank | Salt Lake City, UT | $78M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sherwood Community Bank | Creighton, MO | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Cold Spring | Cold Spring, MN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Atlanta National Bank | Atlanta, IL | $81M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Blanchester | Blanchester, OH | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Manning | Manning, IA | $88M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First State Bank of Red Wing | Red Wing, MN | $86M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The State Bank of Pearl City | Pearl City, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tri-Valley Bank | Randolph, IA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union State Bank | Uniontown, KS | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 9 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
The Howard State Bank, Howard, Kansas does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The Howard State Bank, Howard, Kansas (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $14K | +$1K | +7.7% |
| Q1 2026 | $13K | −$6K | −31.6% |
| Q4 2025 | $19K | +$3K | +18.8% |
| Q3 2025 | $16K | +$1K | +6.7% |
| Q2 2025 | $15K | +$1K | +7.1% |
| Q1 2025 | $14K | −$1K | −6.7% |
| Q4 2024 | $15K | −$3K | −16.7% |
| Q3 2024 | $18K | +$4K | +28.6% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The Howard State Bank, Howard, Kansas left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Howard State Bank, Howard, Kansas by share.
Amounts from The Howard State Bank, Howard, Kansas’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee An account is considered dormant after 12 months of no activity. | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft/NSF Items | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| First Card Free- Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10X10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10X15 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 11X11 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 11X15 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2X10 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4X5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Other Fees | |||
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Howard State Bank, Howard, Kansas operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $71.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $71.1M |
Largest competitors nearby
Local market: Elk and Chautauqua counties, KS, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| Elevate Bank, National Association | 27.8% |
| Bank of Commerce | 17.4% |
This bank holds 54.7% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.