ELK COUNTY BANCSHARES INC is the parent banking group. THE HOWARD STATE BANK, HOWARD, KANSAS is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

ELK COUNTY BANCSHARES INC

Legal name: ELK COUNTY BANCSHARES, INC.

1 active bank · $79M combined assets

RSSD ID: 1062863 (FFIEC NIC)

Combined Assets

$79M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE HOWARD STATE BANK, HOWARD, KANSASHOWARD, KSSatisfactory$79MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$79M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$71M

Net Income

$535K

ROA (avg)

2.59%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE HOWARD STATE BANK, HOWARD, KANSAS	HOWARD, KS	FDIC	$79M	100.0%	Satisfactory	Oct 2020

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.