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Houghton State Bank
✓ FDIC-insured · Active FDIC Certificate #15405
Houghton State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Red Oak, Iowa, established in 1879. As of the 06/30/2026 FDIC call report, it reported $205M in total assets and $169M in deposits. FDIC location data lists 5 offices in Iowa. The FDIC classifies it as a community bank. It is owned by the holding company RED OAK FINANCIAL CORP (Omaha, NE).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 5 of Houghton State Bank's FDIC-listed offices are in Iowa. Browse banks in Red Oak for other local options.
Branch locations
| Houghton State Bank Plaza Branch · Full Service - Brick And Mortar | 1609 N Broadway St Red Oak, IA 51566 Map ↗ |
| Houghton State Bank Cumberland Branch · Full Service - Brick And Mortar | 103 Main St Cumberland, IA 50843 Map ↗ |
| Houghton State Bank 407 Howland Avenue Branch · Full Service - Brick And Mortar | 407 Howland St Emerson, IA 51533 Map ↗ |
| Houghton State Bank Griswold Branch · Full Service - Brick And Mortar | 803 Main St Griswold, IA 51535 Map ↗ |
| Houghton State Bank Houghton State Bank · Full Service - Brick And Mortar | 116 E Coolbaugh St Red Oak, IA 51566 Map ↗ |
Holding company: RED OAK FINANCIAL CORP
The FDIC lists RED OAK FINANCIAL CORP, based in Omaha, NE, as the top holding company for Houghton State Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Iowa
Active FDIC-insured banks headquartered in Iowa with total assets closest to Houghton State Bank's $205M. See all banks in Iowa.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Commercial Savings Bank | Carroll | $349M | 2 |
| Kerndt Brothers Savings Bank | Lansing | $347M | 6 |
| Community State Bank | Spencer | $346M | 7 |
| PCSB Bank | Clarinda | $326M | 7 |
| Pinnacle Bank | Marshalltown | $324M | 1 |
| First Trust and Savings Bank | Wheatland | $321M | 8 |
| Savings Bank | Primghar | $305M | 3 |
| Community Bank and Trust Company | Muscatine | $303M | 5 |
Houghton State Bank: common questions
Is Houghton State Bank FDIC-insured?
Yes. Houghton State Bank is an active FDIC-insured institution, FDIC Certificate #15405. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Houghton State Bank headquartered?
Houghton State Bank is headquartered at 116 E Coolbaugh St, Red Oak, IA 51566, according to FDIC records.
How many branches does Houghton State Bank have?
FDIC location data lists 5 offices for Houghton State Bank, all in Iowa.
Who owns Houghton State Bank?
The FDIC lists RED OAK FINANCIAL CORP of Omaha, NE as the top holding company for Houghton State Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.