BlastPoint's Banking Scorecard
Houghton State Bank
Red Oak, IA
5 branches across IA
Houghton State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 13.58% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 39.6% in tier
- - Delinquency Rate 2.45% above tier average
- - Nonperforming Asset Ratio 1.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.7M
+2.2% YoY
+4.1% QoQ
|
-$167.4M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$147.4M
-5.6% YoY
-5.3% QoQ
|
-$108.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$183.3M
+1.3% YoY
+4.7% QoQ
|
-$144.6M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.50%
+0.5% YoY
-1.6% QoQ
|
+0.23% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
4.07%
+5.7% YoY
+0.6% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
51.70%
+5.3% YoY
+5.7% QoQ
|
-13.58% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
3.33%
+503.0% YoY
+366.0% QoQ
|
+2.45% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.0% in tier |
| Loan-to-Deposit Ratio ? |
80.40%
-6.8% YoY
-9.6% QoQ
|
+3.76% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
24.82%
-8.5% YoY
-5.8% QoQ
|
+2.80% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
2.25%
+457.4% YoY
+323.7% QoQ
|
+1.61% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.2% in tier |
| Tier 1 Capital Ratio ? |
19.22%
+11.3% YoY
+7.0% QoQ
|
+3.39% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.09%
+5.2% YoY
-76.4% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
43% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.