Houghton State Bank
Headquarters: Red Oak, Iowa
Overview
Houghton State Bank is an FDIC-insured bank headquartered in Red Oak, Iowa. It reported $218.72M in assets and $183.34M in deposits for the period ending March 31, 2026. Bankular currently lists 5 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Houghton State Bank has branches
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Locations
Find a branch of Houghton State Bank
Cumberland Branch
103 Main St, Cumberland, Iowa, 50843
Full-service branch · Opened January 6, 1905
Emerson Branch
407 Howland St, Emerson, Iowa, 51533
Full-service branch · Opened October 6, 1903
Griswold Branch
803 Main St, Griswold, Iowa, 51535
Full-service branch · Opened December 20, 2017
Main Office
116 E Coolbaugh St, Red Oak, Iowa, 51566
Full-service branch · Opened January 1, 1879
Plaza
1609 N Broadway St, Red Oak, Iowa, 51566
Full-service branch · Opened May 28, 1974
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $218.72M | $183.34M | $147.40M | 1.50% |
| December 31, 2025 | $210.08M | $175.05M | $155.72M | 1.52% |
| September 30, 2025 | $204.66M | $166.81M | $152.75M | 1.55% |
| June 30, 2025 | $206.09M | $172.36M | $153.40M | 1.56% |
| March 31, 2025 | $214.12M | $181.02M | $156.09M | 1.49% |
| December 31, 2024 | $215.67M | $183.48M | $159.21M | 1.36% |
| September 30, 2024 | $219.89M | $188.16M | $165.69M | 1.30% |
| June 30, 2024 | $217.01M | $174.83M | $166.99M | 1.34% |
Size and reach
How this institution compares
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More on Houghton State Bank
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Branch locations
5 listed locations.
Explore →Compare this institution
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Explore →State banking market
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Explore →Red Oak banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Houghton State Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 15405.
Where is Houghton State Bank headquartered?
Houghton State Bank is headquartered in Red Oak, Iowa, at 116 E Coolbaugh St, Red Oak, Iowa, 51566.
How large is Houghton State Bank?
It reported $218.72M in assets and $183.34M in deposits for the period ending March 31, 2026.
How many locations does Houghton State Bank have?
Bankular currently lists 5 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.