Bank · FDIC insured
Houghton State Bank
A $204.8M bank headquartered in Red Oak, IA, with 5 branches in Iowa.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Houghton State Bank
Houghton State Bank is located in Red Oak, Iowa.
- Headquarters
- 116 E Coolbaugh St, Red Oak, IA 51566
- FDIC certificate
- 15405 ↗
Branches
5 branches in Iowa
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Iowa
5 branches
Red Oak area · 2
- Houghton State BankMain office116 E Coolbaugh St, Red Oak, IA 51566Directions
- Plaza Branch1609 N Broadway St, Red Oak, IA 51566Directions
Cumberland area · 1
- Cumberland Branch103 Main St, Cumberland, IA 50843Directions
Emerson area · 1
- 407 Howland Avenue Branch407 Howland St, Emerson, IA 51533Directions
Griswold area · 1
- Griswold Branch803 Main St, Griswold, IA 51535Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.58% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.56% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio15.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.58%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.56%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Houghton State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.