HOUGHTON STATE BANK is an FDIC-insured commercial bank headquartered in RED OAK, IA, established in Jan. 1, 1879, midnight. As of 2025-12-31, the bank reported total assets of $210M and total deposits of $175M. Profitability stands at 1.44% ROA and 8.78% ROE, with a net interest margin of 4.10%. CET1 capital ratio: 17.97%, well above regulatory minimums. NPL ratio: 0.65% · Texas Ratio: 2.81%. Operates 5 domestic branches.
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