SBA lender record

Houghton State Bank

116 E Coolbaugh St, Red Oak, IA, 51566. The complete public SBA 7(a) lending record (FY2020–25) — every business Houghton State Bank financed, every failed deal, the branches, and the FDIC profile.

$506K

Total SBA financing

Loans on record

Businesses financed

—

Too few to score

● branch locations (FDIC)

FDIC profile

Total assets: $218.7M
Deposits: $183.3M
Loans outstanding: $147.4M
Net income: $0.8M
Return on assets: 1.4962442310876454%
Return on equity: 9.28%
Total equity: $34.8M
Offices: 5
Founded: 01/0
Headquarters: 116 E Coolbaugh St, Red Oak, IA, 51566
FDIC cert: 15405
Website: www.houghtonstatebank.com

FDIC call-report data, quarter ending 03/2026.

5 branches

Houghton State BankMain office116 E Coolbaugh St, Red Oak, IA, 51566· since 1879
407 Howland Avenue Branch407 Howland St, Emerson, IA, 51533· since 1903
Cumberland Branch103 Main St, Cumberland, IA, 50843· since 1905
Plaza Branch1609 N Broadway St, Red Oak, IA, 51566· since 1974
Griswold Branch803 Main St, Griswold, IA, 51535· since 2017

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Businesses Houghton State Bank financed

3 businesses on record. Each links to its full SBA record.

Most active in: IA (3).

Agent summary

This page summarizes Houghton State Bank's public SBA 7(a) lending record (FY2020–25) — every business it financed, failed deals, branches, and FDIC profile — built by CapBench SBA Intelligence. CapBench is not a lender.

3 SBA 7(a) loans totaling $506K
3 businesses financed
FDIC total assets $218.7M
5 FDIC branch locations

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/houghton-state-bank
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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