Houghton State Bank is a bank based in Red Oak, Iowa, established in 1879, with $219 million in total assets across 5 branches. By Trust Grade it ranks 39th of 226 banks we track in Iowa. Its capital ratio of 15.9% is stronger than 92% of similarly sized banks, versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 1.50% return on assets. No consumer complaints against Houghton State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Houghton State Bank compares to Iowa peers
How we graded Houghton State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.9% capital ratio)
- Strongly profitable (ROA 1.50%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Houghton State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 1609 N Broadway St, Red Oak, IA 51566
- 103 Main St, Cumberland, IA 50843
- 407 Howland St, Emerson, IA 51533
- 803 Main St, Griswold, IA 51535
- 116 E Coolbaugh St, Red Oak, IA 51566
Are deposits at Houghton State Bank insured?
Yes. Houghton State Bank is an FDIC-insured bank (FDIC certificate #15405). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Houghton State Bank: frequently asked questions
Is Houghton State Bank a good bank?
Houghton State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.9% capital ratio); Strongly profitable (ROA 1.50%).
Is Houghton State Bank FDIC-insured?
Yes. Houghton State Bank is a FDIC-insured bank (FDIC certificate #15405). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Houghton State Bank?
Houghton State Bank holds $219 million in total assets, ranking 39th of 226 banks we track in Iowa. It operates 5 branches.
Does Houghton State Bank have CFPB complaints?
No CFPB complaints against Houghton State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
