TellerScore

Houghton State Bank (FDIC certificate #15405) is based in Red Oak, Iowa. Its Q2 2026 call report shows $204.8M in total assets and $169.2M in deposits and 5 offices.

Houghton State Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 146th. Capital cushion contributes the most (100/100, 15.39%); loan quality contributes the least (14/100, 2.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.39%
Loan quality14/100
Noncurrent loans ÷ total loans: 2.58%
Earnings83/100
Return on assets (annualized): 1.56%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 85.7% · 19.4% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (71 → 69), mostly because the loan quality component weakened by 17 points.

TellerScore
637587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202482
Q4 202482
Q1 202582
Q2 202571
Q3 202587
Q4 202584
Q1 202663
Q2 202669
Tier 1 leverage ratio
5.00%10.19%15.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.36%
Q3 202412.97%
Q4 202413.22%
Q1 202513.53%
Q2 202514.38%
Q3 202514.99%
Q4 202514.81%
Q1 202614.60%
Q2 202615.39%
Noncurrent loans
0.15%1.72%3.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.15%
Q4 20240.30%
Q1 20250.55%
Q2 20252.06%
Q3 20250.47%
Q4 20250.71%
Q1 20263.29%
Q2 20262.58%
Return on assets
1.30%1.43%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.30%
Q4 20241.36%
Q1 20251.49%
Q2 20251.56%
Q3 20251.55%
Q4 20251.52%
Q1 20261.50%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$204.8M15.39%2.58%1.56%85.7%
Q1 202663$218.7M14.60%3.29%1.50%80.4%
Q4 202584$210.1M14.81%0.71%1.52%89.0%
Q3 202587$204.7M14.99%0.47%1.55%91.6%
Q2 202571$206.1M14.38%2.06%1.56%89.0%
Q1 202582$214.1M13.53%0.55%1.49%86.2%
Q4 202482$215.7M13.22%0.30%1.36%86.8%
Q3 202482$219.9M12.97%0.15%1.30%88.1%
Q2 202479$217.0M12.36%0.18%1.34%95.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.39%
89th
Total risk-based capital21.16%
89th
Problem loans2.58%
8th
Net charge-offs0.03%
34th
Return on assets1.56%
69th
Net interest margin4.28%
69th
Efficiency ratio50.8%
82nd
Loans to deposits85.7%
36th
Uninsured deposits19.4%
67th
Loan-loss reserves1.43%
74th
Texas ratio10.2%
18th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
State Savings BankBank Bedford, IA70 out of 100, Strong$207.2M10.0%0.72%vs
Iowa Falls State BankBank Iowa Falls, IA71 out of 100, Strong$201.5M8.6%0.25%vs
Farmers & Merchants Bank & TrustBank Burlington, IA60 out of 100, Moderate$208.2M10.7%1.66%vs
Keystone Savings BankBank Marengo, IA60 out of 100, Moderate$200.8M11.3%1.44%vs
Iowa Trust and Savings BankBank Centerville, IA91 out of 100, Very strong$210.6M13.5%0.01%vs
State Bank & Trust Co.Bank Nevada, IA70 out of 100, Strong$197.6M11.0%1.30%vs

Deposit insurance

Is my money safe at Houghton State Bank?

Yes. Houghton State Bank is an FDIC-insured institution (FDIC certificate #15405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.4% of deposits ($32.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.16% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Houghton State Bank lists 5 offices in 4 cities. Most locations:

  • Red Oak, IA (2)
  • Cumberland, IA (1)
  • Emerson, IA (1)
  • Griswold, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Houghton State Bank reported 46 home-loan applications under HMDA (LEI 5493002VU8UKLJWSXG84): 45 originated ($2,555,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Houghton State Bank
Type
State-chartered bank
FDIC certificate #
15405
RSSD ID
528241
Primary regulator
FDIC
Holding company
Red Oak Financial Corp
Established
January 1, 1879
Headquarters
116 E Coolbaugh St, Red Oak, IA 51566
Employees
30

Quick answers

Houghton State Bank: common questions

Is Houghton State Bank FDIC insured?

Yes. Houghton State Bank is an FDIC-insured institution (FDIC certificate #15405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Houghton State Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Houghton State Bank ever failed?

There is no failure record for FDIC certificate #15405 in the FDIC failed bank list.

How many branches does Houghton State Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Red Oak

InstitutionScoreAssetsCapitalProblem loansCompare
Cornerstone BankBank Clarinda, IA83 out of 100, Strong$42.0M15.2%0.47%vs
First Heritage BankBank Shenandoah, IA79 out of 100, Strong$72.1M10.2%0.00%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
PCSB BankBank Clarinda, IA77 out of 100, Strong$326.1M11.1%0.25%vs
TS BankBank Treynor, IA72 out of 100, Strong$432.7M10.6%1.41%vs
Northwest BankBank Spencer, IA70 out of 100, Strong$3.0B10.1%0.23%vs