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Houghton State Bank

Red Oak, IA
IDRSSD: 528241
Total Assets
$204.66M
Latest filing
Total Deposits
$166.81M
Latest filing
Net Interest Margin
4.14%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1879
Community BankYes
Ownership TypeNot Mutual
ZIP51566
State and County Number19137
Subchapter S CorporationsNo
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees27
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance07/28/1936
Primary Insurance AgencyDIF
Websitewww.houghtonstatebank.com
Data Updated11/14/2025
CERT15405
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$204.66M
Total Deposits$166.81M
Total Liabilities$170.79M
Total Equity Capital$33.87M
Net Income$782.00k
Net Loans and Leases$152.75M
Assets Per Employee ($Millions)$7.58M
Bank Premises and Fixed Assets$3.57M
Cash and Balances due from Depository Institutions$3.26M
Deposits Held in Domestic Offices$166.81M

Key Performance Ratios

Return on Assets (ROA)1.52%
Return on Equity (ROE)9.32%
Net Interest Margin4.14%
Efficiency Ratio51.31%
Tier 1 Risk-Based Capital Ratio18.065%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets16.547%
Earning Assets to total Assets89.63%

Income and Expense

Total Interest Income$2.55M
Total Noninterest Income$190.00k
Total Interest Expense$633.00k
Total Noninterest Expense$1.08M
Net Interest Income$1.92M
Pre-tax Net Operating Income$1.02M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$3.50M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$480.00k
Total Liabilities and Capital$204.66M

Securities

Securities$30.64M
Available-for-sale debt securities$29.85M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$723.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Houghton State Bank?
$204.66M as of the latest filing.
How much are Houghton State Bank's total deposits?
$166.81M in total deposits.
Where is Houghton State Bank located?
Red Oak, IA.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1879.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$152.75M (latest filing).
What is the total interest income (latest filing)?
$2.55M.