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 Houghton State Bank
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Houghton State Bank
| RSSD ID 528241 | CERTIFICATE 15405 | ABA NUMBER 73901990 |
| 116 E Coolbaugh St |
Quarter Ended : |
2026-06-30 |
| Red Oak, Iowa, 51566 |
Updated : |
2026-07-26 |
| www.houghtonstatebank.com |
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| Institution Profile |
| Year Opened : |
1879 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
5 |
Number of Employees : |
30 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 204,840 |
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Total Interest Income | 5,358 |
| Total Liabilities | 169,724 |
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Total NonInterest Income | 383 |
| Total Bank Equity Capital | 35,116 |
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Total Interest Expense | 1,261 |
| Total Deposits | 169,189 |
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Total NonInterest Expense | 2,275 |
| Net Loans & Leases | 144,986 |
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Net Income | 1,651 |
| Loan Loss Allowance | 2,101 |
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Net Charge Offs | 23 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 33,308 |
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Total loans | 148,798 |
| Total assets for the leverage ratio | 203,665 |
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Loans secured by real estate: | 63,718 |
| Tier 1 Leverage Ratio | 15.39 |
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Commercial and industrial loans | 18,602 |
| Tier 1 Capital Ratio | 19.91 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 21.16 |
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Loans to individuals - Other | 1,458 |
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:· Houghton State Bank
