Houghton State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Houghton State Bank of Red Oak, IA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.25% | +0.48% | 74th above |
| ROAE | 10.30% | 12.22% | -1.92% | 37th below |
| Net Interest Margin | 4.41% | 3.95% | +0.46% | 75th top |
| Efficiency Ratio | 49.75% | 63.71% | -13.96% | 81st top |
| PPNR / Avg Assets | 2.22% | — | — | 80th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.35% | 1.87% | -0.52% | 77th top |
| Net Interest Spread | 3.83% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.58% | 0.88% | +1.70% | 8th bottom |
| NPA / Total Assets | 1.85% | — | — | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 23rd bottom |
| ACL / Total Loans | 1.43% | — | — | 74th above |
| ACL / NPLs (Coverage) | 55.42% | — | — | 12th bottom |
| Texas Ratio | 9.77% | 5.96% | +3.81% | 19th bottom |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.94% | 17.18% | +2.76% | 77th top |
| Tier 1 Ratio | 19.94% | 17.21% | +2.73% | 77th top |
| Total Capital Ratio | 21.19% | — | — | 78th top |
| Leverage Ratio | 15.41% | 11.75% | +3.66% | 88th top |
| Equity / Assets | 17.16% | 10.98% | +6.18% | 93rd top |
| TCE / Tangible Assets | 15.08% | — | — | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.94% | 80.44% | +6.50% | 36th below |
| Core Deposit Ratio | 93.67% | 86.95% | +6.72% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.58% | — | — | 15th bottom |
| Loan Growth (Y/Y) | -5.34% | — | — | 6th bottom |
| Deposit Growth (Y/Y) | -1.84% | — | — | 14th bottom |
See Houghton State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Houghton State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Houghton State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Houghton State Bank peer analysis.