HOUGHTON STATE BANK
RED OAK, IOWA · FDIC Cert #15405
Capital & Safety Analysis
According to FDIC financial data, HOUGHTON STATE BANK holds a Tier 1 capital ratio of 15.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HOUGHTON STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HOUGHTON STATE BANK shows strong financial health indicators. With $217M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HOUGHTON STATE BANK has a Bank Health Score of A (83/100). It holds a Tier 1 capital ratio of 15.03%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOUGHTON STATE BANK holds $217M in total assets and $175M in total deposits. It is located in RED OAK, IOWA (FDIC Certificate #15405).
HOUGHTON STATE BANK has a Tier 1 capital ratio of 15.03%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.18%, and the return on assets is 1.75%.
Yes. HOUGHTON STATE BANK is FDIC-insured (Certificate #15405). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.