Houghton State Bank
Red Oak, IA
IDRSSD: 528241
Total Assets
$210.08M
Latest filing
Total Deposits
$175.05M
Latest filing
Net Interest Margin
4.19%
Profitability
Key People
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Locations
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Main Office
Houghton State Bank
116 E Coolbaugh St
Red Oak, IA 51566
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1879FDIC Certificate 9722
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Houghton State Bank (Main) | 116 E Coolbaugh St | Red Oak, IA |
| PLAZA BRANCH | 1609 N Broadway St | Red Oak, IA |
| CUMBERLAND BRANCH | 103 Main St | Cumberland, IA |
| 407 HOWLAND AVENUE BRANCH | 407 Howland St | Emerson, IA |
| GRISWOLD BRANCH | 803 Main St | Griswold, IA |
Showing 4 of 4
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1879 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51566 |
| State and County Number | 19137 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 07/28/1936 |
| Primary Insurance Agency | DIF |
| Website | www.houghtonstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 15405 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $210.08M |
| Total Deposits | $175.05M |
| Total Liabilities | $175.67M |
| Total Equity Capital | $34.41M |
| Net Income | $749.00k |
| Net Loans and Leases | $155.72M |
| Assets Per Employee ($Millions) | $7.78M |
| Bank Premises and Fixed Assets | $3.52M |
| Cash and Balances due from Depository Institutions | $5.16M |
| Deposits Held in Domestic Offices | $175.05M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 8.78% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 48.27% |
| Tier 1 Risk-Based Capital Ratio | 17.966% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.38% |
| Earning Assets to total Assets | 90.51% |
Income and Expense
| Total Interest Income | $2.63M |
| Total Noninterest Income | $208.00k |
| Total Interest Expense | $673.00k |
| Total Noninterest Expense | $1.04M |
| Net Interest Income | $1.96M |
| Pre-tax Net Operating Income | $970.00k |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $627.00k |
| Total Liabilities and Capital | $210.08M |
Securities
| Securities | $31.87M |
| Available-for-sale debt securities | $31.08M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $718.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Houghton State Bank?
$210.08M as of the latest filing.
How much are Houghton State Bank's total deposits?
$175.05M in total deposits.
Where is Houghton State Bank located?
Red Oak, IA.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1879.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$155.72M (latest filing).
What is the total interest income (latest filing)?
$2.63M.