| Weiss Ratings |
Houghton State Bank
Red Oak, IA |
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| Rating | ||||
| Asset Quality Index | 3.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.90 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 9.00 | |||
| Company Info |
Houghton State Bank
Red Oak, IA |
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| FDIC Number | 15405 | |||
| Phone Number | (712) 623-4823 | |||
| Website | www.houghtonstatebank.com | |||
| Asset Quality |
Houghton State Bank
Red Oak, IA |
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| 1-Year Asset Growth | -0.60% | |||
| 5-Year Asset Growth | 1.02% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.74% | |||
| Non-Performing Loans to Capital | 10.90% | |||
| Non-Performing Loans to Loans | 1.03% | |||
| Balance Sheet |
Houghton State Bank
Red Oak, IA |
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| Total Assets | 204.84M | |||
| Total Deposits | 169.19M | |||
| Capital and Reserves |
Houghton State Bank
Red Oak, IA |
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| Capital | 35.12M | |||
| Leverage Ratio | 15.39 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | 21.16 | |||
| Liquidity |
Houghton State Bank
Red Oak, IA |
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| Hot Money Ratio | 15.60% | |||
| Liquidity Ratio | 19.88% | |||
| Profitability |
Houghton State Bank
Red Oak, IA |
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| 5-Year Return on Average Assets | 1.33% | |||
| Net Income | 1.65M | |||
| Net Interest Spread | 4.19% | |||
| Operating Profit to Average Assets | 2.08% | |||
| Overhead Efficiency Ratio | 50.78% | |||
| Return on Assets | 1.55% | |||
| Return on Equity | 9.50% | |||