Houghton State Bank (FDIC #15405): Bank Stress & Real-Estate Credit Exposure

Houghton State Bank (FDIC Cert #15405): bank stress 34/100, contained, STABLE over 7 days; parent RED OAK FINANCIAL CORP.

Houghton State Bank (#15405) lends in 3 counties across 1 state; Houghton State Bank (#15405) reaches 29 ZIP codes: Iowa 3 counties, 29 ZIPs.

Houghton State Bank (#15405) largest markets: Cass County, IA (26 branches, 13 ZIPs) (#15405), Mills County, IA (11 branches, 11 ZIPs) (#15405), Montgomery County, IA (20 branches, 10 ZIPs) (#15405).

Houghton State Bank (#15405) reports $204.8 million in total assets; Houghton State Bank (#15405) equity $35.1 million (17.1% of Houghton State Bank (#15405) assets); Houghton State Bank (#15405) domestic deposits $169.2 million; Houghton State Bank (#15405) net income $1.7 million; Houghton State Bank (#15405) return on assets 1.56%; Houghton State Bank (#15405) return on equity 9.50%; Houghton State Bank (#15405) net interest income $4.1 million; Houghton State Bank (#15405) call report June 30, 2026.

Houghton State Bank (#15405) noncurrent real-estate loans: none reported; Houghton State Bank (#15405) net charge-offs on real estate 0.00%.

Houghton State Bank (#15405) net interest margin 4.28% against an eight-quarter Houghton State Bank (#15405) average of 3.90% (Houghton State Bank (#15405) compression -0.37 points); Houghton State Bank (#15405) rate-exposure score 40/100, Houghton State Bank (#15405) fixed-rate trap 40/100; Houghton State Bank (#15405) risk type rate trapped; Houghton State Bank (#15405) rate regime rates elevated, Houghton State Bank (#15405) snapshot October 19, 2026.

Houghton State Bank (#15405) stress score moved from 38.3 on June 22, 2026 to 34.1 on October 19, 2026; Houghton State Bank (#15405) ranged 34.1 to 38.3 over 116 snapshots.

Houghton State Bank (#15405) alerts: 3 counties; top Houghton State Bank (#15405) alert scores: Emerson County, IA 16 (low); Griswold County, IA 16 (low); Red Oak County, IA 16 (low).