Bank routing number ยท Red Oak, Iowa
Houghton State Bank Routing Number (ABA): 073901990
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The Houghton State Bank routing number is 073901990. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
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
- Domestic offices
- 5 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1879
Full financial profile · Is Houghton State Bank safe? · Houghton State Bank call report · Branch locations
Houghton State Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 073901990 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Houghton State Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 0199, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Houghton State Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Houghton State Bank checks or in its online banking. Ask the bank for wire instructions (www.houghtonstatebank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Houghton State Bank
Houghton State Bank is headquartered in Red Oak, Iowa and was established in 1879. It reported $204.9M in total assets and $169.2M in deposits for Q2 2026, the 140th largest of the 225 banks headquartered in Iowa. See the largest banks in Iowa by total assets. It reports 5 domestic offices. Its deposits have been FDIC insured since 1936. Its primary federal regulator is the FDIC.
What the digits in 073901990 mean
The first four digits, 0739, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 0199, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 18 + 7 x 16 + 4 = 170, a multiple of 10, so 073901990 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Houghton State Bank routing number?
The Houghton State Bank routing number is 073901990. It is the primary ABA routing transit number registered to Houghton State Bank, headquartered in Red Oak, IA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Houghton State Bank wire routing number?
This page lists the primary routing number registered to Houghton State Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Houghton State Bank before sending a wire.
Is ABA number 073901990 the routing number for Houghton State Bank?
Yes. It is the primary routing number registered to Houghton State Bank.
Which bank uses routing number 073901990?
It belongs to Houghton State Bank, headquartered in Red Oak, IA. It is the bank's primary ABA routing number (FDIC certificate 15405).
Routing numbers of similar-size institutions in Iowa
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View Houghton State Bank's full profile →
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Regulator records: FDIC BankFind (cert 15405) · FFIEC NIC profile (RSSD 528241)