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 Houghton State Bank
Houghton State Bank
| RSSD ID 528241 | CERTIFICATE 15405 | ABA NUMBER 73901990 |
| 116 E Coolbaugh St |
Quarter Ended : |
2025-12-31 |
| Red Oak, Iowa, 51566 |
Updated : |
2026-01-23 |
| 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 : |
27 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 210,084 |
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Total Interest Income | 10,398 |
| Total Liabilities | 175,673 |
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Total NonInterest Income | 764 |
| Total Bank Equity Capital | 34,411 |
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Total Interest Expense | 2,706 |
| Total Deposits | 175,046 |
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Total NonInterest Expense | 4,138 |
| Net Loans & Leases | 155,723 |
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Net Income | 3,196 |
| Loan Loss Allowance | 2,124 |
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Net Charge Offs | 69 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 32,575 |
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Total loans | 153,153 |
| Total assets for the leverage ratio | 205,627 |
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Loans secured by real estate: | 63,486 |
| Tier 1 Leverage Ratio | 14.81 |
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Commercial and industrial loans | 17,070 |
| Tier 1 Capital Ratio | 17.97 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 19.22 |
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Loans to individuals - Other | 1,302 |
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:· Houghton State Bank
