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Houghton State Bank Locations & Branches Red Oak, Iowa
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Houghton State Bank operates 5 branches from its headquarters in Red Oak, IA, .
Houghton State Bank branch network
All 5 branches are in IOWA, across 4 cities. Red Oak, IA has the most of its branches, 2. Its largest office by deposits is its main office in Red Oak, IA, with $121.7M (71.9% of its branch deposits). It had the same number of branches on June 30, 2025.
Houghton State Bank at a glance
Its CET1 capital ratio was 19.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $204.9M
- CET1 ratio, Q2 2026
- 19.94%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1879
Full financial profile · Is Houghton State Bank safe? · Houghton State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Red Oak, IA (2 branches) | 2 of 3 | 42.4% | $129.4M |
| State: IA (5 branches) | 157 of 261 | 0.1% | $169.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Iowa.
Share by county and metro area
Houghton State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Montgomery, IA (2 branches) | 2 of 3 | 34.5% | $129.4M | $375.4M |
| Cass, IA (2 branches) | 5 of 7 | 2.0% | $28.3M | $1.45B |
| Mills, IA (1 branch) | 5 of 6 | 1.8% | $11.4M | $630.6M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA (1 branch) | 72 of 77 | <0.1% | $11.4M | $42.59B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Houghton State Bank (main office) | Red Oak, IA | 51566 | $121.7M |
| Griswold Branch | Griswold, IA | 51535 | $16.4M |
| Cumberland Branch | Cumberland, IA | 50843 | $11.9M |
| 407 Howland Avenue Branch | Emerson, IA | 51533 | $11.4M |
| Plaza Branch | Red Oak, IA | 51566 | $7.7M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15405) · FFIEC NIC profile (RSSD 528241)