BlastPoint's Banking Scorecard
Houghton State Bank
Red Oak, IA
5 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits -1.8% year over year ($169.2M on the books).
- Delinquency rate 2.61%.
- Return on assets 1.56%.
- Efficiency ratio 50.78% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.69% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Houghton State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.29% above tier average
- + Efficiency Ratio 13.70% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 29.4% in tier
- - Delinquency Rate 1.70% above tier average
- - Nonperforming Asset Ratio 1.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.8M
-0.6% YoY
-6.3% QoQ
|
-$181.7M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$145.0M
-5.5% YoY
-1.6% QoQ
|
-$113.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$169.2M
-1.8% YoY
-7.7% QoQ
|
-$157.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
1.56%
+0.0% YoY
+4.5% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.28%
+8.1% YoY
+5.2% QoQ
|
+0.29% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
50.78%
+5.4% YoY
-1.8% QoQ
|
-13.70% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
2.61%
+25.1% YoY
-21.6% QoQ
|
+1.70% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.0% in tier |
| Loan-to-Deposit Ratio ? |
85.69%
-3.7% YoY
+6.6% QoQ
|
+7.74% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
27.59%
+0.7% YoY
+11.2% QoQ
|
+5.56% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.85%
+19.0% YoY
-17.6% QoQ
|
+1.18% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.5% in tier |
| Tier 1 Capital Ratio ? |
19.91%
+13.8% YoY
+3.6% QoQ
|
+4.00% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 14.1% in tier |
| Non-Interest Income / Assets ? |
0.19%
+5.3% YoY
+117.5% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
46% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.6%
+0.2pp YoY +2.8pp QoQ |
+5.4pp | 22.1% | 17.8% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.4%
-0.2pp YoY +0.5pp QoQ |
-0.2pp | 11.6% | 12.8% | 12.5% | 60% |
| CRE |
7.4%
+2.2pp YoY +0.5pp QoQ |
-32.2pp | 39.5% | 28.3% | 41.4% | 2% |
| 1-4 Family |
10.1%
+0.8pp YoY 0.0pp QoQ |
-22.5pp | 32.6% | 23.0% | 31.3% | 11% |
| Consumer |
1.0%
+0.1pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 2.9% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.9%
+2.4pp YoY +0.7pp QoQ |
+1.1pp | 18.8% | 15.4% | 19.7% | 77% |
| Leverage Ratio |
15.4%
+1.0pp YoY +0.8pp QoQ |
+3.2pp | 12.2% | 12.4% | 12.6% | 88% |
| Total Capital Ratio |
21.2%
+2.5pp YoY +0.7pp QoQ |
+1.2pp | 19.9% | 16.5% | 20.8% | 78% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+3 (+11.1%) YoY +3 (+11.1%) QoQ |
-29 | 58 | 64 | 482 | 26% |
| Assets per Employee ($) |
$6.8M
-10.5% YoY -15.7% QoQ |
-$690K | $7.5M | $8.9M | $8.8M | 49% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 5 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.3%
+0.6pp YoY -0.5pp QoQ |
+1.9pp | 0.3% | 0.4% | 0.4% | 98% |
| Nonaccrual |
0.4%
-0.1pp YoY -0.2pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 44% |
| Allowance Coverage |
0.55x
-10.4% YoY +28.2% QoQ |
-23.60x | 24.15x | 18.97x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
-0.7pp YoY +0.2pp QoQ |
-2.7pp | 12.2% | 12.8% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY -0.1pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 24% |
| Net Income ($, YTD) |
$1.7M
-0.3% YoY — QoQ |
-$904K | $2.6M | $4.0M | $40.4M | 45% |
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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.