Houghton State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.20 percentage points higher than in Q1 2026, at 55.42%. Within Iowa, Houghton State Bank is 53rd of 225 on return on assets, 1.73% as of Q2 2026. Houghton State Bank reported 1.73% on return on assets for Q2 2026, 0.47 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.94% |
| Tier 1 risk-based capital ratio | 19.94% |
| Total risk-based capital ratio | 21.19% |
| Tier 1 leverage ratio | 15.41% |
| Equity capital to assets | 17.16% |
| Tangible equity to tangible assets | 15.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.58% |
| Non-performing assets ratio | 1.85% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 9.77% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 55.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 10.30% |
| Net interest margin | 4.41% |
| Efficiency ratio | 49.75% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.94% |
| Core deposits to total deposits | 93.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.58% |
| Securities to assets | 15.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.57% | 14.57% | 15.70% | 12.02% | 1.26% |
| Q4 2023 | 13.67% | 13.67% | 14.77% | 11.46% | 1.21% |
| Q1 2024 | 14.08% | 14.08% | 15.17% | 11.55% | 1.30% |
| Q2 2024 | 15.03% | 15.03% | 16.17% | 12.36% | 1.35% |
| Q3 2024 | 15.47% | 15.47% | 16.61% | 12.97% | 1.24% |
| Q4 2024 | 16.62% | 16.62% | 17.81% | 13.22% | 1.50% |
| Q1 2025 | 17.26% | 17.26% | 18.47% | 13.53% | 1.46% |
| Q2 2025 | 17.50% | 17.50% | 18.67% | 14.38% | 1.62% |
| Q3 2025 | 18.06% | 18.06% | 19.26% | 14.99% | 1.54% |
| Q4 2025 | 17.97% | 17.97% | 19.22% | 14.81% | 1.42% |
| Q1 2026 | 19.22% | 19.22% | 20.47% | 14.60% | 1.48% |
| Q2 2026 | 19.94% | 19.94% | 21.19% | 15.41% | 1.73% |
Houghton State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Houghton State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Houghton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15405) · FFIEC NIC profile (RSSD 528241)