Listed locations
4
Institution profile
Houghton State Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Houghton State Bank
- Display name
- Houghton State Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- July 28, 1936
- Established date
- January 1, 1879
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Red Oak, IA, 51566, United States
- FDIC certificate number
- 15405
- Federal Reserve RSSD ID
- 528241
- Domestic location count
- 5
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 15405
- Federal Reserve RSSD ID
- 528241
- LEI
- 5493002VU8UKLJWSXG84
- Headquarters
- 116 East Coolbaugh Street, Red Oak, IA, 51566, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 4 of 4 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CUMBERLAND BRANCH | 103 Main Street | Cumberland | IA | 50843 |
| EMERSON BRANCH | 407 Howland Street | Emerson | IA | 51533 |
| GRISWOLD BRANCH | 803 Main ST | Griswold | IA | 51535 |
| PLAZA BRANCH | 1609 North Broadway | Red Oak | IA | 51566 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- September 1, 2021
- Regulator
- FDIC
- Examination method
- Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| September 1, 2021 | Satisfactory | FDIC | Small Bank |
| November 1, 2015 | Satisfactory | FDIC | Small Bank |
| April 1, 2010 | Satisfactory | FDIC | Small Bank |
| February 1, 2004 | Outstanding | FDIC | Small Bank |
| April 1, 1998 | Outstanding | FDIC | Small Bank |
| July 1, 1995 | Outstanding | FDIC | Not Reported |
| July 1, 1993 | Satisfactory | FDIC | Not Reported |
| October 1, 1991 | Satisfactory | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 1, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | SOUTHWEST FINANCIAL GROUP OF IOWA, INC. |
| October 1, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 1975 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | HOUGHTON STATE BANK | Non-member Bank | Red Oak, IA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank