| Weiss Ratings |
Houghton State Bank
Red Oak, IA |
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| Rating | ||||
| Asset Quality Index | 5.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.20 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 4.30 | |||
| 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 | -2.59% | |||
| 5-Year Asset Growth | 1.02% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.95% | |||
| Non-Performing Loans to Capital | 4.49% | |||
| Non-Performing Loans to Loans | 1.43% | |||
| Balance Sheet |
Houghton State Bank
Red Oak, IA |
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| Total Assets | 210.08M | |||
| Total Deposits | 175.05M | |||
| Capital and Reserves |
Houghton State Bank
Red Oak, IA |
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| Capital | 34.41M | |||
| Leverage Ratio | 14.81 | |||
| Loan Loss Reserves to Loans | 1.35% | |||
| Risk-Based Capital Ratio | 19.22 | |||
| Liquidity |
Houghton State Bank
Red Oak, IA |
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| Hot Money Ratio | 18.33% | |||
| Liquidity Ratio | 15.43% | |||
| Profitability |
Houghton State Bank
Red Oak, IA |
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| 5-Year Return on Average Assets | 1.30% | |||
| Net Income | 3.20M | |||
| Net Interest Spread | 3.96% | |||
| Operating Profit to Average Assets | 1.97% | |||
| Overhead Efficiency Ratio | 48.94% | |||
| Return on Assets | 1.51% | |||
| Return on Equity | 9.64% | |||