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Houghton State Bank
Red Oak, IA · FDIC Certificate #15405 · Chartered 01/0
Total assets
$204.84M
Total deposits
$169.19M
Total equity
$35.12M
Net loans
$144.99M
Branches (offices)
5
Net income (YTD)
$1.65M
Rank: #2,945 of 4,213 U.S. banks by assets · #140 of 225 in Iowa. Assets changed -0.6% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 9.50% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 17.14% |
| Tier 1 leverage ratio | 15.39% |
| Uninsured deposits (share of deposits) | 19.4% |
| Noncurrent loans (share of loans) | 2.58% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 85.7% |
| Real estate loans (share of loans) | 44.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.50M | 44.5% | |
| Commercial & industrial | $16.50M | 11.4% | |
| Consumer / individual | $1.40M | 1.0% | |
| Construction & development | $1.21M | 0.8% | |
| Agricultural | $63.57M | 43.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $227.32M | $200.54M | $1.25M | $26.41M |
| Jun 2023 | $215.66M | $181.78M | $1.50M | $26.98M |
| Jun 2024 | $217.01M | $174.83M | $1.51M | $29.86M |
| Jun 2025 | $206.09M | $172.36M | $1.66M | $33.24M |
| Jun 2026 | $204.84M | $169.19M | $1.65M | $35.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $169.19M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $169.19M.
Similar-sized banks
Commonwealth Co-Operative Bank ($205.00M) · Minnstar Bank National Association ($204.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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