| Weiss Ratings |
Houghton State Bank
Red Oak, IA |
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| Rating | ||||
| Asset Quality Index | 6.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.20 | |||
| Profitability Index | 7.90 | |||
| 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 | -6.93% | |||
| 5-Year Asset Growth | 4.13% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.95% | |||
| Non-Performing Loans to Capital | 2.25% | |||
| Non-Performing Loans to Loans | 1.26% | |||
| Balance Sheet |
Houghton State Bank
Red Oak, IA |
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| Total Assets | 204.66M | |||
| Total Deposits | 166.81M | |||
| Capital and Reserves |
Houghton State Bank
Red Oak, IA |
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| Capital | 33.87M | |||
| Leverage Ratio | 14.99 | |||
| Loan Loss Reserves to Loans | 1.28% | |||
| Risk-Based Capital Ratio | 19.26 | |||
| Liquidity |
Houghton State Bank
Red Oak, IA |
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| Hot Money Ratio | 19.19% | |||
| Liquidity Ratio | 13.95% | |||
| Profitability |
Houghton State Bank
Red Oak, IA |
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| 5-Year Return on Average Assets | 1.30% | |||
| Net Income | 2.45M | |||
| Net Interest Spread | 3.93% | |||
| Operating Profit to Average Assets | 2.00% | |||
| Overhead Efficiency Ratio | 49.17% | |||
| Return on Assets | 1.54% | |||
| Return on Equity | 9.93% | |||