BlastPoint's Banking Scorecard
Houghton State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 15405
Designations: ✓ Community bank
Red Oak, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Houghton State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.79% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.1M
-2.6% YoY
+2.7% QoQ
|
-$7.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$155.7M
-2.2% YoY
+1.9% QoQ
|
+$16.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$175.0M
-4.6% YoY
+4.9% QoQ
|
-$8.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.52%
+12.2% YoY
-2.0% QoQ
|
+0.44% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.04%
+14.3% YoY
+0.6% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
48.94%
-2.5% YoY
-0.5% QoQ
|
-18.79% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.72%
+133.9% YoY
+49.9% QoQ
|
+0.08% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
88.96%
+2.5% YoY
-2.8% QoQ
|
+14.43% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
26.34%
-2.2% YoY
-4.9% QoQ
|
+3.95% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.53%
+134.8% YoY
+48.9% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
17.97%
+8.1% YoY
-0.5% QoQ
|
+9.11% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.36%
+4.0% YoY
+33.9% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.94%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Efficiency Ratio
Current: 48.94% · Tier avg: 67.73%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.97% · Tier avg: 8.85%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.34% · Tier avg: 22.39%
62
62th pctile
Total Loans
Current: $155.7M · Tier avg: $139.2M
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
54
54th pctile
Total Assets
Current: $210.1M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $175.0M · Tier avg: $183.7M
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.96% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.96% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
53
53th pctile
Total Deposits
Current: $175.0M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $210.1M · Tier avg: $217.5M
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
62
62th pctile
Total Loans
Current: $155.7M · Tier avg: $139.2M
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.34% · Tier avg: 22.39%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.97% · Tier avg: 8.85%
91
91th pctile
Efficiency Ratio
Current: 48.94% · Tier avg: 67.73%