☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Houghton State Bank

iAdvertiser Disclosure

Houghton State Bank Rates & Review September 2026

Q: How many branches does Houghton State Bank operate?

Houghton State Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Houghton State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Houghton State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Houghton State Bank's Personal Loan Rates are as low as 18.99%. Houghton State Bank's Credit Card Rates are at 16.99%. MonitorBankRates evaluates the financial stability of Houghton State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.80%. Rates last updated and verified on 09/23/2026.

Houghton State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Houghton State Bank? Share your experience about Houghton State Bank by leaving a review below, or read customer reviews before you decide to use Houghton State Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.80%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Houghton State Bank

116 E Coolbaugh St
Red Oak, IA 51566

https://www.houghtonstatebank.com

Houghton State Bank Credit Card Rates

Product	Rate	APR
Platinum Edition Visa Card	-	16.99%
Details Special Financing 0% introductory APR on purchases and balance transfers for the first 18 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate, between 16.99% and 26.99% APR. Use for big purchases or to manage fewer balances and potentially pay down debt. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.80%
Maximum Rewards Visa Signature Card	-	18.99%
Details Special Financing 0% introductory APR on purchases and balance transfers for the first 12 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate, between 18.99% and 28.99% APR. Choose how you redeem Redeem rewards your way - cash back, gift cards, travel, or merchandise. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.80%

Houghton State Bank Personal Loan Rates

Product	APR	Term	View More
Maximum Rewards Visa Signature Card	18.99%	12 billing cycles
Details Special Financing 0% introductory APR on purchases and balance transfers for the first 12 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate, between 18.99% and 28.99% APR. Choose how you redeem Redeem rewards your way - cash back, gift cards, travel, or merchandise. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Houghton State Bank’s Texas Ratio rose from 0.45% in Q3 2023 to 10.80% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$205M	10.80%	5.0	A
March 31, 2026	$219M	14.14%	5.0	A-
December 31, 2025	$210M	3.24%	5.0	A+
September 30, 2025	$205M	2.15%	5.0	A+
June 30, 2025	$206M	9.65%	5.0	A
March 31, 2025	$214M	2.65%	5.0	A+
December 31, 2024	$216M	1.54%	5.0	A+
September 30, 2024	$220M	0.80%	5.0	A+
June 30, 2024	$217M	1.03%	5.0	A+
March 31, 2024	$229M	0.49%	5.0	A+
December 31, 2023	$232M	0.65%	5.0	A+
September 30, 2023	$218M	0.45%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Houghton State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Houghton State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Houghton State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Houghton State Bank

Bank Holding Company RED OAK FINANCIAL CORP

Address 116 E Coolbaugh St, Red Oak, IA 51566 · Montgomery

Website https://www.houghtonstatebank.com

FDIC Certificate # 15405

Established 18790101

FDIC Insurance Date 19360728

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.80%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5633%

Return on Equity (ROE) 9.5000%

Non-Performing Loans (NPL) 1.85%

Total Assets $204,840,000

Total Deposits $169,189,000

Equity Capital $35,116,000

Net Income $1,651,000

Headquarters Red Oak

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Houghton State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/houghton-state-bank-rates-review-15405">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Houghton State Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Houghton State Bank

Frequently Asked Questions About Houghton State Bank

How many branches does Houghton State Bank operate?

Houghton State Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Houghton State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Houghton State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Houghton State Bank offer online and mobile banking?

Most modern institutions like Houghton State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.houghtonstatebank.com.