Houghton State Bank

BankRed Oak, Iowa
www.houghtonstatebank.com

Total Assets

$210.1M

Total Deposits

$175.0M

Branches

5

Established

1879

TFS Health Grade

$
B-

80.8 / 100

Good financial health

How we grade

Houghton State Bank is a bank headquartered in Red Oak, Iowa, established in 1879. With $210.1M in total assets and 5 branch locations, it has a TFS Financial Health Grade of B- (80.8/100).

Capital & Safety

Tier 1 Capital Ratio
14.81%(8%)
Total Capital Ratio
19.22%(10%)
Non-Performing Loan Ratio
0.71%

Profitability

Return on Assets (ROA)
1.52%(1%)
Return on Equity (ROE)
9.64%(10%)
Net Interest Margin
4.04%
Efficiency Ratio
48.94%(60%)

Lending & Liquidity

Total Loans
$157.8M
Loan-to-Deposit Ratio
88.96%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
-2.59%
Deposit Growth (YoY)
-4.60%
Net Income
$3.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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